Quite often, when a law is put into practice, legal loopholes can result in outcomes that are the opposite of the law’s desired goals. In this case, it looks like a law to create better insurance options for low income workers, might be leaving some with cut-rate insurance instead. The Wall Street Journal explains:
Benefits advisers and insurance brokers—bucking a commonly held expectation that the law would broadly enrich benefits—are pitching these low-benefit plans around the country. They cover minimal requirements such as preventive services, but often little more. Some of the plans wouldn’t cover surgery, X-rays or prenatal care at all…Federal officials say this type of plan, in concept, would appear to qualify as acceptable minimum coverage under the law, and let most employers avoid an across-the-workforce $2,000-per-worker penalty for firms that offer nothing.