Under these current conditions, I can foresee the best businesses that pay $6000 towards healthcare, offering their employees a $6000 bump in pay in lieu of a raise to cover the $2000 fine, and then the employee gets stuck with 15-30% annual healthcare inflation, and the employer is off the hook.
HR burns a ton of time on Healthcare too. HR expenses would be cut by a third. Proposed taxes on (401k and eliminating the mortgage interest deduction will just kill the working American, who will beg for “justice” from the government. The new normal sucks!!!!
You said a policy costs the company $6000. Good health care policies cost a around $1300 per month per employee. My husband’s company has a top tier policy and it costs us $300 per month and the company $1000 per month (and there’s just the two of us, I don’t know what a family plan costs.
My company’s policy which has much higher deductibles, cost my employer about $1000 per month. Employer pays $900 employee $100.
So since I realize the cost of their healthcare is so high, I believe the incentive in the whole penalty being cheaper by far than what they pay is to drive them to drop employees from healthcare and force them to choose a government offered plan.