On the heels of an explosive political document that has been hitting millions of mailboxes of potential voters— third-quarter 401(k) statements showing how much the Wall Street meltdown has hurt individual retirement savings—another potential game-changer is beginning to brew in employee conference rooms and lunch halls: the annual open enrollment sessions for health insurance benefits.
When workers hear—as I did earlier today—how much their health insurance premiums are about to rise or


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