The HMO trend was based on the assumption that people were usually going to work for the same company for a long time. It made tons of sense, and still does in

The HMO trend was based on the assumption that people were usually going to work for the same company for a long time. It made tons of sense, and still does in a union-provided health plan context, for example. Perhaps the trend will be for employers to pay the tax, drop their company-based health plans, and then their employees will purchase their own plans that follow them around. Then, these plans will keep individuals in longer, making it more worthwhile to focus on prevention and overall health.