WINNER: Worker gaining employer coverage
Implementation of the Obamacare's employer mandate, which requires businesses with 50 or more workers to provide health insurance, has been delayed until 2015, but some employers are already beginning to comply with the law. The minimum eligibility standards for employer-based health insurance also have been raised.
"If you work more than 30 hours a week but are part-time, you haven't necessarily been eligible for health insurance. But you could be eligible now, as soon as your employer starts offering insurance," says Watts.
Employer coverage also has been expanded so that adult children up to age 26 may stay on their parents' insurance policy regardless of whether they're in college or living with Mom and Dad, says Volk, who adds that the provision has helped millions of previously uninsured young adults.
"The law has also improved employer-sponsored coverage because there are no longer any annual or lifetime limits for insurance coverage, which is a tremendous help to people who need a lot of medical care," she adds. "Prescription drug benefits must be included now, too."