Many U.S. employers may already be using public or private health insurance exchanges.
Aflac Inc. polled U.S. employers with three or more employees about exchange use.
Seven percent of the employers with health plans said they are getting their health coverage through a private exchange or the new Patient Protection and Affordable Care Act small-group exchange system.
Six percent said they have given employees cash that the employees can use to buy coverage through the PPACA individual exchange program.