Data from the Health Reform Monitoring Survey for June 2013 through September 2014 was used to examine, from the perspective of workers, early changes in offer, take-up, and coverage rates for employer-sponsored insurance under the ACA.
Results show that there is no evidence that any of these rates have declined under the ACA. They have, in fact, remained constant: around 82 percent (offer rate), 86 percent (take-up rate), and 71 percent (coverage rate), respectively, for all workers and around 63 percent (offer rate), 71 percent (take-up rate), and 45 percent (coverage rate), 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.
Read the complete Health Affairs article.