By Rusty von Sternberg Program Manager for The NIBA Benefits PPACA Certified & Registered for the Federal Exchanges ObamaCare. Love it or hate it, one thing is true… the landscape of employer-sponsored health insurance is changing. Many of the Affordable Care Act (“ObamaCare”) provisions strongly favor the individual health insurance market, making “Defined Contribution” the ideal health insurance solution for most (if not all) US employers. To understand, there are four key ObamaCare changes happening January 1, 2014 that make the shift from defined benefits (group health insurance) to pure defined contribution simply… irresistible. Guaranteed-Issue Individual Health Plans Beginning January…