Actually, the availability of catastrophic coverage at a cheap price makes it MORE likely that small employers will help the "working poor" to buy coverage, not less likely. If you have the ability to put money away and earn interest on it you can start saving for medical expenses at a much earlier age (when your out-of-pocket costs are low). As for retirees, if you start saving early you will have more money when you retire to pay for medical expenses that Medicare doesn't cover.
These plans reintroduce the free market into the purchase of health care services. The reason health care is so expensive is that we've treated it like an entitlement and not as a finite commodity that is best regulated by a free market approach. Having the insurance companies or the government pay for all of the costs of health care is insane. For every dollar that goes to pay for services at least 30% goes to pay for insurance company overhead and it only gets worse when you get the government involved. Then there's the fraud, waste, and abuse inherent in using someone else's money to pay for something. Nobody ever solved a problem or got rich swapping dollars with insurance companies or the government.
Your question sounds like you've been reading the Democrat's talking points on Consumer Driven Health Care. Creating incentives for people to provide their own insurance and use their health care dollars wisely and to get more young healthy people to buy insurance can only help us have more resources to provide care for the few who need help.