When your Employer drops your "defined benefit" plan, it will be like the USA winning a Rugby match.
(Please, God, don't let us embarrass ourselves in France)
Like Safeway in California, your employer will tackle you with a Health Reimbursement Arrangement, or HRA. You'll be offered a high-deductible plan, and you'll be reimbursed with tax-free dollars for at least the premium portion. A good employer will also include extra money to cover any out-of-pocket expenses. These dollars are tax-free, and can be rolled over for next year, or eventually used for your retirement.
This will PAY you to be healthy and make better choices. It's not the old use-it-or-lose-it plans from the 80s and 90s. The money is yours to keep, as long as you open an HSA.
Ruggers are fit, so you'll have more money in your HSAs at the end of the year. Overtime, they'll be enough in the HSA to pay for whatever you need. And when you retire, its becomes a second IRA account.
Most of you will never be paid directly to play Rugby.
But if you stay healthy, your Employer will pay YOU to be fit.