Big benefits providers like Aetna, UnitedHealth Group, and Anthem are all preparing to buy up smaller rivals.

While this is good for their shareholders, businesses are starting to worry that less provider competition will result in fewer benefits options for their employees.

Big insurers like the above are motivated to grow by the Affordable Care Act. The bigger they are, the more they can control costs, and the more regulatory clout they'll command.

And while some of these savings could trickle down to business owners and their workforces, 4 in 5 company heads think the most noticeable result will be a depleted variety in benefits programming.

Read full article at Forbes.