While most companies expect health care cost increases to hold steady next year, nearly half of large employers say that if they can’t find new ways to cut costs, they’re going to cross the “Cadillac tax” threshold in 2018, according to a new study by the National Business Group on Health.

Passed as part of the Affordable Care Act and going into effect in 2018, the Cadillac tax will hit employers whose plans cost more than $10,200 for an individual or $27,500 for a family. The employer will have to pay a 40 percent tax on the cost of each plan above those levels.

Among the companies surveyed, 48 percent said that at least one of their benefit plans would trigger the Cadillac Tax. By 2020, 72 percent of employers say one of their plans will trigger the tax, and 51 percent say their most popular plan will be subject to the tax.

Related: Obamacare’s Cadillac Tax Hits the College Campus

“The need to control rising health care benefits costs has never been greater,” NGBH President and CEO Brian Marcotte said in a statement. “Rising costs have plagued employers for many years and now the looming excise tax is adding pressure.”

Employers expect keep benefit costs increases to 5 percent this year by pushing more costs onto workers via consumer-directed health plans (76 percent) and expanding wellness initiatives (70 percent).

None of the 425 employers surveyed said they planned to eliminate their health care coverage, but nearly a quarter said they’d consider offering employees a private exchange.

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Are you annoyed by online pop-up ads or those video commercials that automatically start playing when you visit a new Web page? Worried about advertisers collecting your personal information online? You’re not alone. In the perpetual cat and mouse game between marketers and Internet users, the utilization of ad-blocking software by Web surfers is growing rapidly — and it’s costing advertisers billions.

Ad-blocking technology was employed by 45 million active users during the second quarter of 2015, a new report by PageFair and Adobe found. This represents 16 percent of the U.S. online population. In the past year, the number of users blocking ads grew by 48 percent.

In 2014, ad-blocking in the U.S. cost an estimated $5.8 billion in lost advertising revenue. That figure is expected to jump to $10.7 billion in 2015 and $20.3 billion in 2016 as more users adopt the practice. The new version of Apple’s mobile operating system coming this fall is expected to make the problem worse, since it will allow iPhone users to block ads in Safari with a simple app.

In addition to lost revenue, ad-blocking skews the demographics of the online audience. Websites that cater to younger users — a demographic advertisers are eager to target — are the ones most significantly affected by ad-blocking.

Related: The Future of Advertising: Everything, Everywhere, All the Time

A survey in the PageFair/Adobe report found that the main reason individuals block ads is a concern about advertisers mishandling personal data.

Advertisers have a long way to go when it comes to trust. An article in AdAge argues that marketers should be more transparent about the ways they use the information they collect. It recommends giving users more control of their personal data, the ability to decide how much information to share and the choice to opt-out at any time.

Trust isn’t the only issue, though. The appeal of ad-blocking is growing as “malvertising” attacks become more common. Last month, Yahoo’s ad network was targeted for seven days by hackers who sent out corrupt bits of code through Flash-based ads to visitors on Yahoo’s popular sites. Some users were redirected to sites that paid the hackers for traffic, while others had their computers locked for ransom. 

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More than a quarter of Americans have smart home products and they report that the devices save them an average of 30 minutes a day and more than $1,000 per year, according to a new report by Coldwell Banker and CNET.

Adoption of smart home products is even higher among millennials, with more than half embracing the technology. Additionally, parents of young children are twice as likely to have installed smart home products than non-parents.

“Smart home technology is catching on because it is literally changing the way we live in our homes,” Coldwell Banker Chief Marketing Officer Sean Blankenship said in a statement. “Not only is it shifting the financial perception of the home, but it is also transforming our emotional connection to our homes.”

Related: Want a Smarter Home? You Don’t Have to Wait

More than eight in 10 of those surveyed said they’d be more likely to buy a home if it included smart technology like connected lights, thermostats or security systems. Nearly three-quarters said that smart home products provide peace of mind when it comes to home security.

Those numbers are expected to grow as technology gets better and cheaper, and millennials start purchasing and upgrading homes in larger numbers. A 2013 report by the Organization for Economic Co-Operation and development found that a four-person family had about 10 connected devices, but projected that number to grow to about 25 in five years and as many as 50 in 10 years.

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Last week Sen. Marco Rubio warned it’s “important to be qualified, but if this election is a resume competition, then Hillary Clinton's gonna be the next president” because of her long history in office and in federal government.

For his sake, he’d better hope the GOP primary doesn’t turn into a disqualifying truancy competition, too.

A study by The Tampa Bay Times found that of the four Republican senators running for the White House, Rubio has missed the most Senate votes.

In June alone, Rubio missed 67 percent of the Senate votes, and he wasn’t there for more than half of them in July, according to The Times.

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In all, the first-term lawmaker missed 29 percent of Senate votes, or 76 of 262 recorded, in the first six months of 2015. Over 50 of those came after his April 13 campaign announcement.

The numbers show how much time Rubio has had to spend off Capitol Hill and on the campaign trail as he looks to break out of a crowded GOP field that includes his friend and former Florida Gov. Jeb Bush.

By contrast, Sen. Ted Cruz (R-TX) has missed 54 votes since declaring his candidacy in March, while Sen. Lindsey Graham (R-SC) was truant for 35 votes since he launched his presidential bid on June 1.

Sen. Rand Paul (R-KY) has skipped only three votes throughout 2015 and only one since declaring for president.

On the Democratic side, Sen. Bernie Sanders (I-VT) has missed four votes since hitting the campaign trail.

Rubio has missed nearly 11 percent of votes since he joined the Senate in January 2011, The Times analysis shows, well above the median 1.6 percent rate for the lifetimes of current senators.

A Rubio spokesperson did not respond to a request for comment.

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Maybe it’s because he is still feeling his way as a late entrant into the GOP presidential campaign, but Ohio Gov. John Kasich did a fairly dramatic about-face over the weekend on the politically charged issue of climate change.

Kasich, a former House Budget Committee chair and Wall Street business executive, has positioned himself as a “kinder, gentler” conservative than Jeb Bush, Ted Cruz and the dozen other Republicans running for the 2016 presidential nomination. So it wasn’t surprising that he would take a more moderate stand on global warming during the first nationally televised GOP presidential debate Thursday evening.

Related: 10 Things You Need to Know About John Kasich

Kasich, a devout Christian, declared during the two-hour debate sponsored by Fox News that climate change is a real problem requiring government and society to protect the “creation that the Lord has given us.”

While the vast majority of Republicans on Capitol Hill and the campaign trail are highly skeptical of President Obama’s campaign to curb industrial carbon emissions to prevent the disastrous long term effects of global warming on the environment and economy, Kasich appeared to be one of the few who took the threat seriously.

He emphasized the importance of unity and cooperation, saying at one point that “we’ve got to unite our country again, because we’re stronger when we are united and we are weaker when we are divided.”

Just a few days later, though, after winning plaudits for his Thursday night performance – with some even favorably comparing his views on environmental threats to those of Pope Francis – Kasich sounded much like a climate-change doubter.

Related: Does Kasich Have a Chance? How He Can Catch Up to the GOP

During an appearance on NBC News’ “Meet the Press,”  Kasich told moderator Chuck Todd that “I think man absolutely affects the environment, but as to whether, you know, what the impact is, the overall impact, I think that’s a legitimate debate.”

Kasich went on to say that in Ohio, “we preciously take care of Lake Erie, and we’ve reduced emissions by 30 percent over the last ten years.”

“We believe in alternative energy,” he added. “So of course we have to be sensitive to it, but we don’t want to destroy people’s jobs, based on some theory that’s not proven.”

According to National Journal, the Kasich 2016 campaign attempted to clarify his remarks following his appearance on “Meet the Press.”  "The governor has long believed climate change is real and we need to do something about it,” according to the statement. “The debate over exact percentages of why it is happening is less important than what can be done about it. We know it is real, we know man has an impact, and we know we need to do something."

A number of prominent presidential candidates -- including former Florida governor Jeb Bush and Sens. Ted Cruz, Marco Rubio, and Rand Paul -- are climate change doubters or deniers.  Sen. Lindsey Graham of South Carolina is one of the few who unquestionably accepts scientific evidence that man-made greenhouse gas emissions are a principal cause of global warming, and has sharply criticized his party for lacking a comprehensive environmental platform.

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