For Bay Area employers and health care companies, 2013 looks a lot like a missile aimed at a date less than a year in the future: Jan. 1, 2014. That’s when many key components of President Barack Obama’s Affordable Care Act kick in, including the start of Covered California, the health insurance exchange intended to offer health coverage to millions of Californians now uninsured or underinsured. It’s also when we’ll begin to see tangible results of how California
