Ted Cruz is taking a stroll down health insurance memorylane. He’s traveling back to the 1960s, when most employers, ifthey offered health insurance at all to their employees, usuallyserved up a very basic package that would be calledcatastrophic coverage today. Othersmight help employees purchase insurance, perhaps facilitating agroup discount. But the idea of an employer paying forcomprehensive employee coverage was unheard of in all but a fewworkplaces.

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That’s the working world Ted Cruz envisions. Why, he asks,should employers pay for employee health insurance when it bindsemployees to that employer and can make it tough to changejobs?

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Stumping across Iowa, Cruz has been floating his latest healthinsurance trial balloon, which has led to the adoption of the term“delinking” — as in, unhooking the health insurance fifth wheelfrom the employer wagon.

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After all, Obamacare has now made it possible for employees tofind coverage for about the same price on the exchanges as they payin their contributions to employer sponsored insurance. Cruz arguesthat if people can cross state lines to buy insurance, and ifhealth savings accounts become more common, it’s only a matter oftime before most employers will be out of the health coverageprocess.

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Companies like California’s Hixme, founded in 2013, are alreadycropping up to manage the health insurance selection process forworkers — essentially eliminating the employer from the equation.In many cases, such service providers will likely be directingemployees to what in reality is an individual plan.

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While Cruz continues to vow to do away with the PatientProtection and Affordable Care Act, his plan is almost an admissionthat Obamacare is not going away. His latest insurance strategyrepresents a more concrete GOP solution to the health care-for-allconundrum, but also a blending of Republican and Democraticthinking on the matter.

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Cruz plan has already generated plenty of backlash fromliberals. They claim it would actually reduce coverage options forindividuals and workers and, with its central objective ofeliminating the PPACA, it would kill off the major source of theaffordable coverage Cruz says employees can now find on their own.His plan would erase the premium subsidy system as well, making iteven more difficult for many working folks to afford true healthinsurance.

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