Health reform not as predicted: How self-insured health plans can sustain coverage

DOTmed May 15, 2023
Christine Cooper and Jack Towarnicky

Health Reform, also known as the Affordable Care Act (ACA), is the government’s approach to access to health coverage. Enacted in March 2010, the ACA’s primary intent remains one of using federal and state mandates to make health insurance coverage affordable and available for individuals. It was not designed to reduce the cost of employer-sponsored coverage for employers, or employees.

Most Americans heard many predictions about how the “Affordable Care Act” would improve health coverage, including:

• If you like your doctor, you can keep your doctor

• If you like your health plan, you can keep your health plan

• The cost of coverage for a family will decline by $2,500 a year

• Health Reform won’t add one...