Most of the people in danger of losing their health insurance because the plans do not meet standards set by the Affordable Care Act are in the individual market, but some small-group employers also have had to discontinue or change their plans, says Jean C. Hemphill, Practice Leader of Ballard Spahr’s Health Care Group.

Ms. Hemphill said insurance carriers have quoted new rates for such employers that are as much as 50 percent to 60 percent higher than last year.

"In the employer world, the pre-existing condition requirement has not really been an issue, because HIPAA [already] required that," Ms. Hemphill said. "The new thing in employer plans is that you cannot have a lifetime limit or annual limits, and many, if not most, employer plans had maximum benefit limits. In addition, some employer plans did not cover mental health conditions and those are now required.”

She added that some employers have evaluated the costs and options available on state or federal exchanges and have determined their employees are better off shopping in the Obamacare marketplaces. “It’s not necessarily a bad decision for an employer to do that,” Ms. Hemphill said. “The employers that I’m working with are good employers and they’re looking at this and trying to make good decisions for themselves and their employees.”

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