insurance

8 health insurance reform winners and losers

LOSER: Worker paying more, getting less
LOSER: Insured worker paying more, getting less © manaemedia/Shutterstock.com

The health care law includes a 40 percent tax on so-called "Cadillac" health plans that cost more than $10,200 annually for an individual or more than $27,500 a year for a family. The tax doesn't kick in until 2018, but employers aren't waiting.

"Some employers are beginning to modify benefits and pass on more costs to workers in the form of higher premiums and higher deductibles," says Volk.

Meanwhile, Jost accuses some employers of deliberately cutting part-timers' schedules to less than 30 hours per week to avoid providing health insurance under the delayed employer mandate. Those workers are losing the opportunity for group health insurance along with the extra pay from additional hours.

Watts says she's especially concerned about people who work two part-time jobs of less than 30 hours each. They may not receive health insurance from either employer, yet they may earn too much to qualify for subsidized insurance on the exchanges.

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