At the same time, employees continue to face a growing affordability gap as their out-of-pocket health care costs rise at a higher rate than their income and the Consumer Price Index (CPI), and it becomes more difi cult to save for retirement. Amid the political, legislative and judicial uncertainty, most employers are steadfast in their commitment to keeping active health care benei ts as a central component of their employee value proposition. Through 2015, most employers will remain focused on optimally managing the design and delivery of their programs, with a select number tailoring their designs to facilitate the availability of.
