Health Care Overhaul Could Affect Millions With Employer Coverage

By: AP
By: AP
CHICAGO -- The health care overhaul

MGN Online

CHICAGO (AP) -- The health care overhaul's reach stretches far beyond the millions of uninsured Americans it's expected to help. It also could touch everything from the drug choices to doctor bills of people who have insurance through work.

The law isn't expected to prompt sudden, radical changes for workers. But benefits experts say there are several ways the law can leave fingerprints on the benefits of the roughly 149 million people who are covered through their jobs.

For example, many companies already are starting to change benefits to avoid an overhaul-mandated tax on high-cost plans that takes effect in 2018. One way a company can lower the cost is to raise an employee's out-of-pocket expenses.

So, your plan may introduce a bigger deductible, which is the amount you have to pay for care before most coverage starts. It also might require you to start paying more at the doctor's office in the form of a higher co-payment.


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