It is impossible to predict how healthcare delivery will ultimately be impacted by the efforts of ACA insurance and reimbursement changes. What is possible, and important, is to prepare your companies and employees for how to address them. Supply and demand imbalances are predicted to occur by nature of the number of uninsured entering the system at the same time that in-network physician pools are contracting. As a result, it is likely that the impact will be felt through physician shortages, reduced appointment times, and longer appointment delays. This presentation will highlight steps that employers are taking to mitigate risk and better prepare their company to address the emerging challenges that pose significant threat to the health and well-being of their workforce and their corresponding business operations. These initiatives are being implemented on a PEPM basis and as voluntary benefits to address life-critical health issues and identity theft concerns. The common thread to these initiatives is that they are taking the burden of risk off employees as the complexity of navigating these issues becomes too great to deal with after hours and begins to encroach on workplace productivity.