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Agency rules U.S. employers can pay workers to participate in wellness programs, within certain limits.
Companies including Wal-Mart, Chipotle, shrug off the effect of health-care reform.
Increased use of exchanges could bolster Obamas health-care overhaul.
Employers could pay up to $1.3 billion in fines if uncovered workers can't qualify for Medicaid.
32 states have opted out of building an exchange or are expected to opt out.
Companies that opt out of healthcare might not even save money.