Carriers are gradually coming to terms with the effects of the new health care law, and what they must do to comply, according to TCP’s third quarter survey.

Thirty-six percent of carriers last year indicated that the new law had made no difference to their business. This quarter, that number dropped to just 8%.

Carriers have also shifted their strategies for dealing with the increased costs. In the fourth quarter of 2011, 43% of carriers indicated they were likely to have employees contribute more toward health costs. Now, carriers are more likely to implement wellness programs (44%) and health savings plans (30%).

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