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According to a new study by the Urban Institute, small and large businesses could benefit from health reform, but mid-size companies will see a jump in health care costs.

We are living in an odd span of timecaught between the past and the future.

As the election heats up, Medicare is quickly becoming as important an issue as the Patient Protection and Affordable Care Act itself.

Is our real problem with health care a communications issue?

With the new changes under the Patient Protection and Affordable Care Act, more employers are considering switching retirees to an exchange-based individual market system, says John Grosso, a health care actuary and leader of retiree health care sub-practice at Aon Hewitt, a global human resources solutions provider.

In fact, as the economy remains slow, 87 percent of employers say todays 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.

The number of uninsured Americans is estimated to increase in every state and to 72 million nationwide by 2022 if Republican presidential nominee Mitt Romney wins the election and has his health care plan enacted, according to a new Commonwealth Fund report.

HighRoads offers eight tips to employees so they can make the most of their benefits plans, while saving money.