Key Takeaways
- Enacting bipartisan legislation in Congress can preserve access to affordable coverage and care for 3.4 million employees and their families.
- Expanding the definition of the small-group market to include mid-size employers (51-100 employees) could have far-reaching implications for the affordability and stability of coverage.
- Nearly two-thirds of workers in mid-size firms (64%) would experience premium increases of 18% as a result of applying the ACA modified community rating rules.
Overview
Currently, all states define their small-group insurance markets as employers with up to 50 employees. Under the Affordable Care Act, beginning in 2016, the definition for the small-group market will be significantly expanded to include employers with up to 100 employees in all states. Expanding the definition of the smallgroup market to include mid-size employers (51-100 employees) could have far-reaching implications for the affordability and stability of coverage for millions of employees and their families.