A recent report from CVS Caremark noted that employers may have to make a choice in 2014, when additional aspects of healthcare reform take effect, and many consumers may be without job-sponsored health insurance.

The government's healthcare reform will require an insurance exchange with may be unsavory to many employers. In turn, they will have to decide whether or not to continue with a sponsored plan, or allow all employees to pay their own way, the report noted.

"What we know is that there are actions and programs that have had a direct impact on employee heath and productivity," said Troyen Brennan, executive vice president and chief medical officer of CVS Caremark. "It seems clear those of us in the healthcare industry have to be creative and diligent in developing and administering these programs, because absenteeism and productivity go to the bottom line."

Consumers may want to circumvent the confusion surrounding what the new health care reform bill will bring and get their own health insurance. It could be even easier if consumer compares multiple health insurance quotes to find the best fit.