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Local governments plan to make changes to employee health benefits to offset rising costs and revenue shortfalls in 2011.

Health care reform promises to change the landscape dramatically for brokers and carriers alike. In fact, many argue that the two need each more than ever before if they're going to survive this brave new world of health insurance.

The nonpartisan Employee Benefit Research Institute examined data for private-sector establishments in 2009:

For 2011, the IRS has issued a draft Form W-2 for employers to report wages and employee tax withholding and will defer the new requirement for employers to report the coverage cover under an employer-sponsored group health plan.

Recently, the U.S. Department of Health and Human Services granted more than $14 million to help eradicate health care disparities for the underserved, unemployed and minority communities.

When it comes to complying with health care reform, meeting medical loss ratio requirements, acquiring and retaining the best risk, establishing cost-effective distribution channels and working with exchanges are U.S. payers' top priorities.

Almost 70 percent of U.S. consumers believe they have little to no impact on reducing their own health care costs, according to a recent health care reform report.

A mind might be a terrible thing to waste, but so is an open enrollment.