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As employees flip through their open enrollment packets, they may notice substantial changes to their medical plans for 2010, from increases to employee contributions to introducing a wellness program, according to the 2009 Benefits & Talent Survey by Aon Consulting, the human capital consulting firm of Aon Corp.

Aon Consulting surveyed 1,313 employers nationwide in its 2009 Benefits & Talent Survey and found 41 percent of employers are expecting to make more substantial changes to their 2010 medical program than they did this year. Specifically:

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