There is a full spread across the political table when it comes to health care matters and how the election may impact the future of employee benefits. Political parties in the U.S. propose very distinct approaches on how to keep Americans healthy and health care costs down. As feds continue passing the plate on these discussions, this election will definitely have something to say about the impact on employer-sponsored health insurance and, specifically, the Affordable Care Act (ACA) for U.S. citizens enrolled in the individual market plan.

With so much to process on how the outcome of November's election will affect Americans, let's first distinguish the five health care models of coverage that fuel many Capitol Hill debates.

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