How Will Employers Respond to National Health Reform?
How Will Employers Respond to National Health Reform?
Lessons from the 2006 Reform Initiative in Massachusetts
The 2010 Patient Protection and Affordable Care Act (ACA) is introducing extensive changes to the US health care system, including new requirements around the provision of health insurance coverage for employers. There is much debate as to how employers will respond to those new requirements, with estimates of the likely impacts on employer-sponsored coverage varying widely. This chapter capitalizes on the real-world experience under health reform in Massachusetts, the template for the ACA, to examine how employers responded to that state’s 2006 health-reform initiative. Although details of the employer requirements in the national legislation differ somewhat from those in the Massachusetts law, the broad tenets of the two initiatives are similar and so the response by employers in Massachusetts provides objective evidence of the potential response by employers to the national legislation.
Keywords: Commonwealth Health Insurance Connector, cost, health insurance exchange, health reform, Massachusetts Health Reform Survey, Medicaid, poverty, tax credits
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