Phase 4: Wave 4: everyone · Step 4.2

End employer-sponsored insurance for covered services

Year 4 · Employers; DOL; OPM (FEHB); state & local governmentsDiscuss this step

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Task 4.2.6 of 6

Self-insured employer stop-loss and TPA contracts end.

Who does it

Employers

When

Day 1

Trade-off

Ending stop-loss and TPA contracts saves overhead but ends businesses built around self-insurance.

Part of: End employer-sponsored insurance for covered services

Job-based coverage for UHP services ends for about 179 million people. Employer premium payments of $1.05T (private, federal, state & local) stop; the employer tax ($873.4B) is at its full rate. Worker premium contributions ($382.1B) end.

This step changes 5 existing laws, programs, or institutions. See the list.