“Many of the nation’s top insurance companies, brokers and major employers have moved beyond the bitter debate in Washington”
Let’s examine the reasons behind that statement: Assuming insurance companies don’t go away, they each expect their business to go up, not down, as the government pours in the subsidies AND the eek out increases from those who “can pay” higher premiums for less coverage. Insurance companies win. Moving along, “major employers”, yeah sure, when they move everyone off the health insurance provided by the employer rolls, their costs go DOWN. Even if they provide a subsidy they are better off just from the standpoint of not having to keep benefit coordinators on the rolls AND when they move hours of employees down below 30, no subsidy is needed PLUS they just expect the same amount of worker output...win win for them. Lastly the government benefits in a few ways: the less employer provided health insurance benefits, the higher the employees taxable income plus fines if they don’t get their own insurance. Another win win. The biggest losers here are the nations small businesses who get it in the neck but I guess they are the 3% the MIT jackass believes will be those hurt.
IE: Move Employees from the 40 hour work week to Obama's 29 1/2 Work week; getting a, more than, 25% CUT for those formerly on Full time pay
Those already on part time are feeling the pinch being limited to 29 1/2 now. As for those businesses just over 50 employees? Tough luck for the 51st, 52nd and so forth - they will shortly have no pay.
If the young healthy un subsidized folks don’t sign up (for the bad coverage) the insurance companies will bail rather quickly, some like United Healthcare in CA chose not to play at all.
Subsidized people get plans with smaller or no deductible, smaller co-pays and smaller cost sharing, with the same premium paid to the carrier.