do all business have to offer health insurance
Health insurance in the United States However, in a 2007 analysis, the Employee Benefit Research Institute concluded that the availability of employment-based health benefits for active workers in the US is stable. The "take-up rate," or percentage of eligible workers participating in employer-sponsored plans, has fallen somewhat, but not sharply. EBRI interviewed employers for the study, and found that others might follow if a major employer discontinued health benefits. Effective by January 1, 2014, the Patient Protection and Affordable Care Act will impose a $2000 per employee tax penalty on employers with over 50 employees who do not offer health insurance to their full-time workers. (In 2008, over 95% of employers with at least 50 employees offered health insurance.[61])[62] On the other hand, public policy changes could also result in a reduction in employer support for employment-based health benefits.[63]
Patient Protection and Affordable Care Act The ACA includes provisions to take effect between 2010 and 2020, although most took effect on January 1, 2014. Few areas of the US health care system were left untouched, making it the most sweeping health care reform since the enactment of Medicare and Medicaid in 1965.[2][3][4][15][5] However, some areas were more affected than others. The individual insurance market was radically overhauled, and many of the law's regulations applied specifically to this market,[2] while the structure of Medicare, Medicaid, and the employer market were largely retained.[3] Most of the coverage gains were made through the expansion of Medicaid,[16] and the biggest cost savings were made in Medicare.[3] Some regulations applied to the employer market, and the law also made delivery system changes that affected most of the health care system.[3] Not all provisions took full effect. Some were made discretionary, some were deferred, and others were repealed before implementation.