Wednesday, August 5, 2015

I get health coverage through my employer. How does the Affordable Care Act affect me?


If you presently get coverage through your employer, you will probably see little change. Most companies that provide health benefits will continue to do so. You may see small differences in the extent of coverage, since employer plans will have to meet minimum standards. However, most of them already do. The law also permits employers to start offering discounts to workers who participate in wellness programs. You may notice some other changes as well, like larger co-payments and deductibles and higher premiums, but most of these would have occurred without health reform.

In the long-run, some companies may decide to drop coverage and let their workers buy it on their own through the new insurance exchanges. They may also reduce the amount they contribute toward the cost. However, they cannot reduce it too far. No employee may be required to pay more than 9.5% of his or her houseful income for health insurance. It is too early to tell how widespread these changes will be.


Robert I. Field, Ph.D., J.D., M.P.H. is a professor of law at the Earle Mack School of Law and professor of health management and policy at the School of Public Health at Drexel University. He also writes for The Field Clinic blog.

More coverage
  • Have a question about the healthcare law? Ask our expert
  • Will I see changes?
  • What is an insurance marketplace and how will it work?
  • Will the healthcare law cut Medicare benefits?
  • Professor, School of Law & Drexel School of Public Health
    We encourage respectful comments but reserve the right to delete anything that doesn't contribute to an engaging dialogue.
    Help us moderate this thread by flagging comments that violate our guidelines.

    Comment policy: comments are intended to be civil, friendly conversations. Please treat other participants with respect and in a way that you would want to be treated. You are responsible for what you say. And please, stay on topic. If you see an objectionable post, please report it to us using the "Report Abuse" option.

    Please note that comments are monitored by staff. We reserve the right at all times to remove any information or materials that are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, indecent or otherwise objectionable. Personal attacks, especially on other participants, are not permitted. We reserve the right to permanently block any user who violates these terms and conditions.

    Additionally comments that are long, have multiple paragraph breaks, include code, or include hyperlinks may not be posted.

    Read 0 comments
    comments powered by Disqus
    Latest Health Videos
    Also on
    letter icon Newsletter