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Message: From GoLocalProv by Amy Gallagher, GoLocalProv Business/Health Expert: Last year’s uncertainty of healthcare reform’s future, the pending presidential election, and continued healthcare increases impacted 2012 trends. How? Insurance carriers launched new versions of HMOs, along with value-based plans; more employers offered wellness programs; and new purchasing arrangements for small businesses like Professional Employer Organizations (PEOs) grew in popularity. http://www.golocalprov.comhttp://beta.golocalprov.com/smart-benefits-5-healthcare-trend-predictions-for-2013