While more than half of employers recently surveyed about health care reform provisions say they will maintain their health plans, one-third don’t know what they will do in 2014 when new state exchanges start operating.

The amount of indecision, a need for employers to look for ways to lower group health plan costs, and struggles for small insurance agencies in tackling compliance questions are all factors that open up opportunities for large insurance brokers like Willis, which developed the survey.

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