"The majority of studies suggest that the impact of ACA on employers' decisions regarding the continuation of their employee health benefit programs will be relatively modest initially. Examples that predict more extreme shifts ... are often based on narrow assumptions. In this case the assumption is that quite modest differences in net costs of plans offered through the exchanges compared with employer-sponsored plans could cause large shifts from employers to the exchanges.That ignores a great many other considerations that enter the employers' action plans."  MORE >>