Given the recent discussion in the media, spouses and children being dropped from employer coverage is a growing concern.
Even the establishment CBO admits that at least 7 million, and as many as 20 million, will lose their employer coverage.
There is no evidence that this rule will end employer coverage.
Former Congressional Budget Office director Douglas Holtz-Eakin recently projected that 35 million Americans might lose employer coverage as a result of the health law and enter the exchanges.
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Former CBO Director Douglas Holtz-Eakin estimated in a study for the American Action Forum that more than 40 million workers would lose their employer coverage due to these perverse incentives.
The individual market includes about 15 million people, and around 18% of the roughly 149 million with employer coverage were at small companies, according to 2011 figures from the Kaiser Family Foundation.
In the past, according to this article by Wendy Stein, insurers have spent about 74% of total premiums for individual plans on care, 80% for small groups, and 84% for big employer coverage.
This will drop the cost of employer plans as those who do not purchase employer coverage while working are young and healthy and willing to take a risk with no coverage to save a buck.
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"This law will decrease costs, strengthen small business and make it easier for employers to provide coverage to their workers, as we saw in Massachusetts, where employer coverage increased when similar reforms were adopted, " says Erin Shields Britt, a spokeswoman for the Department of Health and Human Services.
In addition to the above statistics, The Urban Institute study highlights the fact that of the 961, 000 young adults between the age of 21 and 27 who currently buy their own health insurance as an individual and make too much money to qualify for premium subsidies or Medicaid, a full two-thirds are 26 years old or younger and are in families receiving employer coverage.
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Federal legislation passed in 1996 says that if you have "credible coverage, " which the large majority of employer-provided coverage is, the new employer's coverage cannot impose a pre-existing condition exclusion.
Employees will then go to the new health insurance exchange and purchase individual coverage that is just as good as employer based coverage.
No requirement that everyone that works for an employer that offers coverage actually purchases that coverage through their employer.
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Those who receive employer provided coverage are not eligible for them.
The crafters of the law moved people away from employer based coverage and decreased the bill to taxpayers by having employers pitch in through a fine.
No, in that employer provided coverage is still a major place people will obtain their insurance, although many feel that employers will drop health insurance coverage.
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The benefits would not manifest through Americans losing employer sponsored coverage, but in gaining new coverage from a choice of plans in a more robust individual market.
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Moreover, workers who do not receive employer provided coverage are eligible to purchase their health insurance on the state Exchanges with extensive taxpayer subsidies to help cover the cost.
With 156 million Americans currently enrolled in employer-sponsored health insurance, according to the Employee Benefit Research Institute, a mass exodus from employer-coverage would represent a sea change in American health care.
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Workers can be allowed the freedom to choose them in place of employer provided coverage, the poor can be allowed to choose them for their Medicaid coverage, seniors can be allowed to choose them for Medicare.
In the June 8 Wall Street Journal, Grace-Marie Turner, President of the Galen Institute, estimated based on the numbers in the McKinsey report that as many as 78 million Americans would lose their employer provided coverage.
Workers would be empowered with the freedom to choose them in place of employer provided coverage, the poor would be empowered to choose them for their Medicaid coverage, seniors would be empowered to choose them for Medicare.
Individual states could choose to ban abortion coverage from insurance exchanges, which will insure people who don't have employer-sponsored coverage.
What do you do if your employer no longer provides health insurance coverage or your spouse cannot obtain coverage through your employer?
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Critics, mostly labor unions, have always attacked such proposals as a thinly veiled effort to eliminate employer-provided coverage.
Under these laws it's commonly illegal for an employer who offers coverage for medical conditions like appendicitis to offer less coverage for mental problems.
Except that for most people with employer-provided coverage that wouldn't happen.
"Larry is not different from a lot of the people I speak to, " Urban concludes, especially if they've had employer-provided coverage or no coverage in the past.
This is going to push many employees who either have individual plans or would ordinarily look at obtaining individual plans to go to their employer to obtain coverage.
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But if your employer-based coverage does not meet this standard, you will be able to get insurance through the exchange, and your employer is required to pay a penalty.
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