As new health insurance laws take effect next year, many believe that companies will opt out of providing health insurance by paying fines that are cheaper than premiums or by converting employees to part time.
This Forbes article makes a case that this is a feature, not a bug. The argument is that, over time, health insurance costs will go down and transparency and portability will improve as more people move away from employer provided insurance and into private insurance markets.
I'm all for anything that ends the current system of employer provided insurance that excludes too many people. I hope the exchanges succeed in providing affordable alternatives. Eventually we will join the rest of the civilized world in having universal single-payer health insurance, but probably not in my lifetime.
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