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

The PatientProtection and Affordable Care Act (PPACA) might create abenefits world in which typical employers pay penalties and sendemployees 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 “bringyour own coverage” (BYOC) system. What would a BYOC system mean forthe employers, their health insurers, and their benefits brokersand plan administrators?

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.