The Upside: Companies with more than 50 employees will be required to provide coverage or face a fine, so your benefits are secure. Existing benefits packages will be grandfathered, but new plans will have to meet minimum requirements. Limits on out-of-pocket spending may keep your costs down.
The Downside: Premiums may continue to go up, and if you don't qualify for subsidies or entrance into exchanges, you may be stuck with the plan your employer chooses for you.
98 percent of companies with 200 or more employees now offer health benefits
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