So far to simplify it, employers who offer insurance won’t get tax credits as well as employees who sign up for the employers insurance.
In other words, they make it real juicy if the employer opts for insurance from one of the “exchanges”. The employer can then get a tax credit but the employee doesn’t get any credits if they are paid more than 300% of the FPL (Federal Poverty Level) FPL in 2009 was a little over 10 grand for 1 person, a little over 14 grand for 2 people.
That makes 300% of the FPL about 42 to 43 grand for two income families. Earn that much and no tax credits for you no matter whose insurance you buy.
CO-OPs, basically community organizing insurance companies, I expect for friends of the Dear Leader:
The Chairman‘s Mark authorizes $6 billion in funding the Consumer Operated and Oriented Plan (CO-OP) program to foster the creation of non-profit, member-run health insurance companies that serve individuals in one or more states. CO-OP grantees would compete in the reformed individual and small group insurance markets.
Federal funds would be distributed as loans and grants. Loans would be provided to assist with start-up costs, and grants would be provided to meet state solvency requirements.