More Choices for Employers and Their Special Populations

By Tricia Blazier, JD

Personal Health and Financial Planning Director
Allsup

In 2017, the United States will enter its fourth year with a system of public health exchanges known as the Health Insurance Marketplace. It’s one of the signature creations of the Affordable Care Act (ACA). Many employers aren’t familiar with this healthcare insurance alternative because exchanges typically aren’t a realistic option for workers accessing group health insurance.

But the ACA opens new alternatives for employers and their employees who experience a work-disrupting illness or early retirement.

Disability and absence management in the workforce can be complicated when workers with a chronic health condition need to stay in a job longer than they should, in part because of anticipated healthcare costs. Health insurance available through the Consolidated Omnibus Budget Reconciliation Act (COBRA) historically has come with high premiums and is perceived as adding to the hardship for people with disabilities.

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