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Study suggests most companies did not approve major pay raises last year.
Only 19% of employers say they are likely to change health insurance offerings in the next two years.
Businesses' efforts continue although observers suspect two-year suspension all but killed the excise tax on health benefits.
New report estimates the average cost of company coverage will go up 6% next year.
New report suggests insolvency will hit two years earlier than last year's report projected.
Survey shows rapid increase in number of employees prioritizing pay over healthcare benefits.