Phase 3: Waves 2 & 3: working-age adults · Step 3.1

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

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

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Task 3.1.2 of 4

Employers remove moving workers from plans and recalculate the remaining pool's premiums.

Who does it

Employers / insurers

When

Each wave

Trade-off

Recalculating remaining premiums is accurate but produces volatile premiums for small employers.

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

About 85 million working-age adults move from employer, Marketplace, Medicaid, or no coverage into UHP. Employer plans shrink to covering only workers under 35 and their spouses.

This step changes 2 existing laws, programs, or institutions. See the list.