Given today’s economy, many employers face tough decisions. While reducing the workforce brings the largest savings to an employer’s bottom line, most organizations see this as the least desirable outcome. To prevent labor reductions, other cost-saving measurements are being implemented, and this often impacts an employer’s benefits package.  In fact, as the economy remains slow, 87 percent of employers say today’s financial climate has influenced their benefits decisions, and 73 percent of employers say they expect employees to pay more toward their benefits in the coming year, according to the 2012 Benefits Selling Employer Survey.  Health insurance, of course, is still the most costly benefit; thus, 71 percent of respondents continue to take a harder look at less traditional options, such as consumer-driven health plans, to cut the financial burden. For the full article click here.