"The result could well be a substantial collapse of employer-sponsored health coverage -- something which could not be easily be rebuilt the following year if the employer mandate is imposed then.... In order to keep health plans solvent, premiums will have to go up -- and for every increase, more people will decide they are better off without coverage.... The individual mandate penalty was supposed to limit this effect, and the employer mandate was supposed to isolate most workers from it. With both of those mandates delayed, unenforceable, or gone completely, there is nothing to prevent an upward spiral of premiums, higher taxpayer-funded subsidies and more people being uninsured."

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