Over coming days, we will be hearing about the "Employer Mandate" for 2015, which started today, January 1. However, since this 2015 mandate is for employers that have at least 100 employees, I don't believe that will have a negative impact on employees that work for these large corporations. The reason is that most of these companies already have "qualified health plans" for their employees.
The real problem starts in January 1, 2016 when companies that employ at least 50 but less than 100 employees must comply with the employer mandate. These so-called small employers, typically, do not have qualified health plans in place. Therefore, it will be the employees of these small firms that will be at risk to find their own health insurance and pay the premiums. Why? Because for these small firms, it will be cheaper for them to pay the "$2,000 penalty" than to pay the health premiums for their employees. Or, these small firms will make every effort to keep their work forces at less than 50 employees.
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