Over 150 million Americans get their health care coverage from their employer through employer-sponsored insurance.
Employer-sponsored insurance offer superior benefits These plans provide employees with access to high-quality, low-cost health care. The plans also have the flexibility to include added benefits for workers and their families and serve as a crucial recruiting tool for employers.
The benefits of employer-sponsored health insurance go beyond its cost-effectiveness. By offering innovative health care plans, employers are better able to attract talent. Competitive and attractive benefits, like employee assistance or wellness programs, are often a determining factor in whether candidates accept certain positions.
Democrats are trying to unravel employer-sponsored plans and force more Americans to buy “Obamacare” plans, despite the fact that 68% of Americans prefer to get their coverage through their employer rather than through the federal or state government. It’s all part of misguided efforts to expand the failing, high-cost Obamacare market, even if it leaves workers and taxpayers on the hook for higher costs and lower-quality care.
Obamacare subsidies overwhelmingly benefit wealthier Americans. So, to help maintain the financial health of the employer-sponsored market, current law dictates that workers are ineligible for tax subsidies on the Obamacare exchange if they have affordable employer-sponsored health coverage. This creates a “firewall” between employer-sponsored insurance plans and Obamacare marketplace plans.
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