As the Affordable Care Act (ACA) continues to be implemented, employers of all sizes are exploring a variety of different responses to the requirements and mandates of the law. With the advent of three important insurance reforms — guaranteed issue in the individual market, the state health insurance exchanges and possible premium subsidies for policies purchased through those exchanges — one option that some employers are exploring is dropping their group health plan altogether and directing employees to purchase their own individual health policies through the state health insurance exchange or otherwise.

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