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Sears (SHLD) and Darden Restaurants (DRI) plan a radical shift in the way they provide health...

Sears (SHLD) and Darden Restaurants (DRI) plan a radical shift in the way they provide health benefits: giving workers a fixed sum of money and letting them choose their coverage and insurer from an online marketplace. For employers, it could herald a transition similar to the move from company pensions to 401(k) plans; for employees, the worry will be that the money may not keep up with rising health costs.
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