This might be the most important article you read today:

“Millions of lower-income workers may gain access to employer-sponsored health insurance under the Affordable Care Act — but they may decide not to purchase that coverage.

“Most of the lowest-income workers currently offered health benefits elect not to enroll, according to a new study from the ADP Research Institute. While the Affordable Care Act does require large employers to offer coverage, this study raises the possibility that Americans may still decide to forgo the option.” — Sarah Kliff, The Washington Post,  Obamacare requires employers to offer insurance. What if it’s too expensive?.

The article adds that whether premiums take a larger or smaller part of the paycheck makes a big difference.  “For workers earning above $50,000, the majority — 81 percent — elected to buy into

health insurance benefits. Lower-income Americans, by contrast, purchased health benefits at a lower level. Among full-time employees earning $15,000 to $20,000, 37 percent elected to purchase health benefits when they were made available.”

The graphic is from the ADP study.

participation rates and premiums as percentage of income chart



Jeanne Pinder

Jeanne Pinder  is the founder and CEO of ClearHealthCosts. She worked at The New York Times for almost 25 years as a reporter, editor and human resources executive, then volunteered for a buyout and founded...