Major findings include:
- Medical costs are projected to increase 9% in 2011.
 - More employers will move away from co-payments & toward co-insurance at the point of care.
 - Hospitals, getting less from Medicare, will cost-shift to employers/commercial to make it up.
 - Providers will merge and consolidate, creating greater leverage in negotiations with health plans.
 - Employers plan to add more worksite wellness & health promotion programs.
 
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