<p>small businesses are facing issues, as well, which is why those with employer based health care should expect to see many changes in their coverage and costs, as well. All evidence points to all plans ending up like the ones we are seeing right now.</p>
<p>One thing to note in the article is that in order to go through SHOP, which is the small employer market place? You have to go through dot.gov. Then, in NC, when you get there? You have one option. BCBS, same plans as the individual market. Same costs.</p>
<p>Up thread, discussion about multi-state insurance policies. Not the same thing as selling insurance across state lines. If I live in Cali and want to buy an individual policy in Tennessee, cannot do that, now. Correct? </p>
<p>We previously had group employer based insurance for HMO and PPO plans that were out of state, because H’s companies based elsewhere. Always had in network doctors, too.</p>
<p>Wouldn’t that be an easy “fix” that could make to improve risk pools, on and off the exchange? There will have to be some serious fixes to bring everyone under the coverage umbrella.</p>
<p>I’m curious why you say that. What forces do you think will act to take an employer plan and make it more prohibitively expensive than it is now? Employer plans already cost more than many people here report they were paying for individual insurance. You’re having to pay a lot more because you’re now in a risk pool with sick people, but employer plans were already having to cover sick people. People with pre-existing conditions were locked to employment, or their parents or spouses were, precisely because employer plans covered sick people and individual plans did not. </p>
<p>Those employer plans that were non-compliant will now have to be compliant. But what is the scope of that, and how much will it cost? Employer health insurance already was expensive, because it was already covering the things that all policies now have to cover. The average family premium for employer-paid insurance was over $16K in 2012. </p>
<p>Earlier in this thread, I asked people to look at their W2s and see what their employer was paying for their insurance. I just looked at my husbands’. Hello, Cadillac. We live in an expensive area. It was over $23K for the three of us! That’s a lot, I realize, but employer-supplied insurance already was expensive for everyone.</p>
<p>CF, most people in this country are employed by small businesses. </p>
<p>Small businesses are seeing increases in their rates, some as many as 300%. </p>
<p>I doubt there’s more than a few uncapped employer plans, CF. Plus, if someone stops working there, because they get sick, they can’t just get kicked off the plan, can they? No.</p>
<p>There are all sorts of pressures on this. The employer roll out next year should be fascinating, if they get that far.</p>
<p>This is incorrect. Not even close. Let’s have a look at the census. Employment census data is available only for years ending in 7 and 2, and it takes a couple of years to compile it, so this is 2007 data, but the numbers are so overwhelming that it’s clear who is employing most people:</p>
<p>Total employment: 120,903,551
Employed by businesses with 500 or more employees: 61,209,560<br>
Employed by businesses with 100 to 499 employees: 17,547,567
Percent employed by businesses with 100+ employees: 65%</p>
<p>2014 is an election year. There is no way that the politicians, whose primary goal in life is to keep their seats in Congress, are going to allow the huge percentage of people who have employer-based health insurance to lose it. They aren’t going to commit political suicide.</p>
<p>Please provide a source for your claim that the majority of American workers are employed by small businesses. I wanted to give the most reputable data I could find, so I went to the census. What is your source?</p>
<p>Just because the numbers of people affected aren’t large compared to the size of the population doesn’t mean that the problems aren’t large for those who are affected. Very few people get brain cancer, relatively speaking, but for those who do, it is a big problem. </p>
<p>I am waiting to see if there is some stopgap legislation that will provide some short-term alternatives for those who had policies that turned out not to be grandfathered. (And while some of those not-grandfathered policies were not good, others were pretty robust, and I completely get the aggravation when people who had them keep hearing them described as sub-standard.)</p>
<p>From the SBA …I don’t know why it matters. Either way, it’s a lot. </p>
<p>Fully 99 percent of all independent enterprises in the country employ fewer than 500 people. These small enterprises account for 52 percent of all U.S. workers, according to the U.S. Small Business Administration (SBA). Some 19.6 million Americans work for companies employing fewer than 20 workers, 18.4 million work for firms employing between 20 and 99 workers, and 14.6 million work for firms with 100 to 499 workers. By contrast, 47.7 million Americans work for firms with 500 or more employees.</p>
<p>Got to say, this is one of the things which angers me most. I had a top notch policy (but it didn’t have the required maternity - something I did not need). I paid quite a lot for it and was okay doing so because I wanted top notch. Now, not only can I not get something as good as my old policy but the best one they do offer is $400 per month more. Right now, to get a lessor policy, I am looking at around $1100-$1200 per month for my family of three.</p>
<p>I havent had employer based health insurance since 1981.</p>
<p>So…I have a question. </p>
<p>If you leave your job, is there a gap where you are uninsured? </p>
<p>How is leaving your job going to work with ACA?</p>
<p>Let’s say a person loses his job with employer based coverage on Jun 15th 2014.
What does this person have to do to be covered on Jun 16th 2014?</p>