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

The amount of indecision, a need for employers to look for waysto lower group health plan costs, and struggles for small insuranceagencies in tackling compliance questions are all factors that openup opportunities for large insurance brokers like Willis, whichdeveloped the survey.

Willis' national survey of across-section of more than 1,000 businesses aimed to get a betterunderstanding of employers' plans and expectations as the mandatesof the Patient Protection and Affordable Care Act take effect.Willis, partnering with Diamond Consulting, also asked employerswhat concerns them as the law takes effect.

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