For now, at least, large and midsize employers may be more interested in increasing use of health account programs than getting health insurance for active employees from exchanges.
The Patient Protection and Affordable Care Act of 2010 (PPACA) calls for state and federal agencies to set up a network of health insurance exchanges, or Web-based insurance supermarkets, for individuals and small employers by 2014.
States could eventually choose to open their exchanges up to larger employers.
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Even in 2014, larger employers could drop their own health coverage, pay a penalty to the federal government, and send employees to buy coverage on the PPACA exchanges.