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Healthcare reform might create a world in which employers pay penalties and send employees streaming into government and private exchanges to buy individual coverage.

The Patient Protection and Affordable Care Act (PPACA) might create a benefits world in which typical employers pay penalties and send employees streaming into government and private exchanges to buy individual health insurance.

If Mitt Romney gets into the White House and kills PPACA, employers might still move on their own to create a similar “bring your own coverage” (BYOC) system. What would a BYOC system mean for the employers, their health insurers, and their benefits brokers and plan administrators?

 

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