NEW COVERAGE APPROACH: More employers are considering a change in how they provide health coverage for their workers. Instead of offering a plan or two for employees, some companies are giving their workers a credit or fixed sum of money to buy their own insurance.
HOW IT WORKS: This approach can vary widely. Some companies offer a few coverage choices, others send workers to exchanges that give them more than a dozen options.
WHO IS DOING IT: Sears Holding Corp. and Darden Restaurants Inc. are among employers making the switch. Benefits consultant Aon Hewitt is one of several companies developing an exchange.