Article: What's the cure? Is there a remedy for jumps in health-care costs? Will we see defined-contribution plans? (Health Plans).(various health care plan costs outlined)(Statistical Data Included)

The bad news: employer's health-care costs are expected to rise 15 to 30 percent this year. The good news: Well, there isn't any. So what's an employer to do?

Sometimes it's best to just take a step back and ask, "Where do I want to be on the continuum of providing employee benefits?" says Mike Miles, vice president with insurance broker giant Marsh USA, Indianapolis. "Do I want to be paternalistic, give the bare minimum, or something in between?"

To help businesses answer that question, Marsh USA audits current benefit plans, benchmarks against national surveys and competitors, and then conducts a benefit-strategy session with management to review ...

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