I don’t think it’s purchasing power so much as risk pool. Or really a bit of both, it’s number of healthy vs unhealthy people in the pool. Employees of a comp

I don’t think it’s purchasing power so much as risk pool. Or really a bit of both, it’s number of healthy vs unhealthy people in the pool. Employees of a company tend to be healthier. People on ACA tend to be part time / low wage, and have more health issues. Insurance companies pass that through by charging based on risk. I imagine what would happen is this would average out, the total cost(including employer contribution) would go up for most of the hn crowd who can afford it, but down for others who currently can’t