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Dr. Eric Bricker discusses six causes of employer health plan changes in his tutorial. The first source is regulatory changes, particularly exemplified by the Affordable Care Act, which significantly altered employer health plans upon its passage in 2010. The potential for future regulatory pain is anticipated with the upcoming presidential election. The second source is decreased top-line revenue, often stemming from recessions influenced by the business cycle and the Federal Reserve's interest rates. Bricker emphasizes the Federal Reserve's significant role in impacting economic conditions that lead to these changes in health plans.