7 health insurance trends to watch in 2015

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The evolution of American health insurance in the era of Obamacare drives seven top trends for 2015, as consumers without coverage face a tax penalty for the first time and employers face a new insurance mandate and wrestle with rising health care costs.

Relatively new terms and concepts, including the Obamacare online marketplaces, private employer exchanges, consumer-driven health plans and wearables-friendly wellness programs, continue to move from pilot phase to center stage in the new health care landscape.

“I hesitate to call these ‘new’ trends; they’re a continuation and maybe an acceleration of things we’ve been seeing for many years,” says Paul Fronstin, director of health research and education for the Employee Benefit Research Institute, or EBRI, in Washington, D.C. “A lot of people have never seen them, so if you haven’t, it’s new to you.”

Here are the top seven health care trends to watch in 2015.