That is not necessarily true. Employers are moving to Employer contributed health insurance. Which means that there is a specialize payment option [given benefi

That is not necessarily true. Employers are moving to Employer contributed health insurance. Which means that there is a specialize payment option [given benefits of paying pre-tax] that subsidizes the health insurance option. So technically they do and don't offer the plan. This opens up the PHX (Private Health Exchange, market). The future effects are a little unknown at the moment, but the PHX is making bank. All the ACA (screw the name "Obamacare") just is a requirement that all citizens must have health insurance. It's no longer a situation where the "poverty" citizens and seniors are guaranteed health insurance anymore. So if you go jobless/self employeed, you'll have to get a plan on the private market. Good thing: The private market (which forces the carriers to actually compete for once). Also, the carriers have a requirement to serve their customers rather than administrative items. (Which also helps the secondary carrier supporting market) Bad: Employers are given more power to push their social/health agendas and will be going away from group based plans.