> It essentially mandated that everyone get coverage Given that for the four tax years for which there was an actual penalty associated with that provision, th

> It essentially mandated that everyone get coverage Given that for the four tax years for which there was an actual penalty associated with that provision, the average penalty paid ranged from less than half (2014) to less than double (2017) the average monthly cost of individual health insurance, it essentially did nothing of the sort, even for the brief period where it might superficially have seemed to if you didn’t examine the details much. > Now that most employers have self-funded health plans Most employers (either by count of employers, or by count of employees) do not have self-funded health plans. Most large (>500 employees) tend to have at least one self-funded health plan, but smaller employers generally don’t, and large employers employ only about 1/4 of the workforce.