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1. Do I get to choose my plan, or does my employer get to choose for me?
“What’s happening now is employers are becoming aware of the fact that one carrier is not enough,” says Bryce Williams, a managing director at Towers Watson. “You’ve got to offer choice – whether it’s in defined benefit or defined contribution – and that’s why you are seeing the proliferation of private exchanges.”
[Images: Shutterstock].


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