An Early Look At Changes In Employer-Sponsored Insurance Under The Affordable Care Act

One of the raps against the ACA is that employers would reduce workers hours in order to avoid the requirement that employers of over 50 persons provide health insurance to full time employees.  So far it appears that on aggregate at least that has not happened. - gwc
An Early Look At Changes In Employer-Sponsored Insurance Under The Affordable Care Act
Urban Institute study

by Fredric Blavin, 

Adele Shartzer, 

Sharon K. Long and 

John Holahan

Critics frequently characterize the Affordable Care Act (ACA) as a threat to the survival of employer-sponsored insurance. The Medicaid expansion and Marketplace subsidies could adversely affect employers’ incentives to offer health insurance and workers’ incentives to take up such offers. This article takes advantage of timely data from the Health Reform Monitoring Survey for June 2013 through September 2014 to examine, from the perspective of workers, early changes in offer, take-up, and coverage rates for employer-sponsored insurance under the ACA. 
We found no evidence that any of these rates have declined under the ACA. They have, in fact, remained constant: around 82 percent, 86 percent, and 71 percent, respectively, for all workers and around 63 percent, 71 percent, and 45 percent, respectively, for low-income workers. To date, the ACA has had no effect on employer coverage. Economic incentives for workers to obtain coverage from employers remain strong.

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