Quote:If the insurance companies choose to bait-and-switch for the employer mandate, then isn't that more about the insurance company boards being loaded with pieces of poo than it is a fault in the ACA itself?


The employer mandate will only screw employers that seek to screw their employees. Employers with 51 or more employees generally offer insurance anyway, and if those employers do decide to cut their group plans and send everyone to the exchanges, the fees they face will be mind-boggling. I don't think companies will be dumping people onto the exchanges to the extent that you do, nor do I see the employer mandate as the self-destruct button for the entire ACA.


And I'll say this: I have absolutely seen companies pull off of state exchanges. I have also not had a single employee that I've been unable to find a suitable plan for when writing up sample quotes for client businesses.

Insurance companies were bought and paid for by the administration. They were promised a bailout.


The fines will be less than the cost of the insurance. Employers will weigh their options and take the path that impacts the bottom line the least. To think that won't happen is naive. It's already begun and the mandate hasn't kicked in.

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