Enroll adults 45–54 (Year 2) and 35–44 (Year 3)

Start of Years 2 and 3 · UHA; employersDiscuss this step

Mid-transition employer plan pools

amendedYears 1–3Private sector

Today

Employer plans cover workers of all ages.

Under the plan

Pools shrink each wave as older workers leave; premiums are re-rated for the younger remaining workers.

Trade-off

Remaining premiums fall; small employers' pools become volatile.