A 12 page research paper on some of the choices of benefits employers have made available to their employees over the last several years. The changes have greatly reduced the employers' costs of benefits, and employees enjoy the ability to choose plans that will best suit their needs at any point in their lives, whether they are young and single, married with small children or nearing retirement age. The paper discusses traditional major medical insurance, the rise of the HMOs and the reasons behind it, the new Medical Savings Accounts, and gives an example from a large automotive afterservice business. Bibliography lists 12 sources.