Reply #2: They can end coverage now - and employees have no recourse

[csziggy]

There is nothing stopping employers from just stopping their insurance coverage at any time as things are now. At least if we get one of the proposals now in front of Congress there would be alternatives. That is one of the few things I like about the current proposals, by the way.

Most companies offer insurance as an incentive to attract employees, so I doubt that most would drop their coverage - unless rates keep going up as much as they have been. And if they do drop coverage, employees should see a net increase in their wages since employers should pay them the portion that was paid to the insurance companies.