American flag and medical symbol As a result of the ACA, small business employees actually experienced a large increase in coverage because many were able to enroll in subsidized individual market or in expanded Medicaid plans.

While the situation could change due to the coronavirus pandemic, which is taking a toll on small businesses, up through the end of 2018 the small business health insurance market was healthy through 2018, in spite of fears that the Affordable Care Act would be tough on small businesses.

Instead, according to a report from the Commonwealth Fund, rather than the ACA being too burdensome on small-business employers and end up wreaking havoc on the small-group health insurance market, it actually helped to stabilize premiums and made coverage both more accessible and more comprehensive—despite White House claims to the contrary.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

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