It seems like a doomsday scenario: Employers will drop health care coverage in droves, leaving employees to fend for themselves in the ridiculously expensive individual market or in some convoluted government-run exchange.

Yes, a lot of things associated with health care reform don't make sense, but at least there are some logical steps here and there — especially when it comes to exchanges and who they might benefit.

Let's set the record straight; if you're a full-time employee working for a midsize or large company, you probably don't have to be so concerned about completely losing your health care coverage…at least for now. But for others, whose precarious employment situation leaves them more vulnerable to medical debt, these health care exchanges may be the most viable alternative to comprehensive, employer-sponsored health insurance.

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