2012 enrollment is upon all employees, and it’s time to start planning for next year. Experts all agree that the major changes in your insurance plan will come when you check out at your provider’s office or facility. Although employee premium contributions have gone up slightly (to about 22%) and deductibles are higher (around $1,000 for individuals in PPO plans), look out for higher co-pays, reductions in co-insurance percentages and annual limits on out-of-pocket expenses. Employee benefits are changing as a way to reduce the upward climb year-after-year that employers have had to swallow. Read your new outline of coverage very carefully for both your medical and prescription plans.

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