 [ Symptoms ] how old is time for tummy time [ Disease ] the only real way to know is to ask however if your employer tells you it is eliminating insurance because of the law i would be wary of the answer in fact the law requires all employers with 50 or more workers to either offer health insurance coverage or to pay a penalty for failing to do so they will also pay a penalty if at least one full time employee receives a subsidy to help buy insurance through one of the new marketplaces today 98 of employers with more than 200 workers already offer health insurance as do 94 of businesses with 50 to 199 employees and they have providing insurance long before the aca became law for a host of good reasons the law does not change for one providing insurance is a tax free form of compensation and a good benefits package helps employers compete for employees we have heard of some small employers holding off on hiring for fear of crossing the 50 employee threshold – it could certainly raise an employer is costs if they currently employ fewer than 50 workers and do not offer insurance and some industries with part time or contract workers are also reducing hours to avoid raising insurance costs because the law requires large employers to insure workers who put in on average 30 hours per week but for small companies the law in many cases increases health plan choices and for very small companies provides tax credits that can lower insurance costs i would need to know more about your particular employer is situation but on the face of it it does not seem eliminating insurance if it is already being offered makes sense because of the health reform law i have been in the health insurance business for 40 years the aca obamacare mandated a certain level of benefits that must be included in all health plans this is identical to the what every state legislature does when it mandates what is minimum coverage for auto insurance one wants to know that if someone crashes into you that they at least have enough insurance to fix your car if not their own the exchanges are simply private insurance companies competing for business in a marketplace they are all quoting the same benefit packages and are simply competing at price no one demanded or required them to compete for this business or offer insurance in the exchanges some exchanges have more companies offering insurance than others these private companies are doing so because they think they can make a few bucks it is not some government conspiracy to take over the insurance business that having been said one may notice that no other industrialized nation on earth has seen fit to copy our health care system it simply has not worked and i personally see very little on the horizon to make me believe it will work in the future in fact in response to the writer who suggested