Benefits experts say the Affordable Care Act is already starting to affect workers who already have insurance through their jobs as well as those who were uninsured before the law took effect. The law isn't expected to prompt sudden, radical changes for workers. But 149 million people who are covered through their jobs may see small effects in everything from drug choices to doctor bills. For example, many companies are starting to change benefits to avoid an overhaul-mandated tax on high-cost plans that takes effect in 2018. One way a company can lower the cost is to raise an employee's out-of-pocket expenses. So, your plan may introduce a bigger deductible, which is the amount you have to pay for care before most coverage starts. It also might require you to start paying more at the doctor's office in the form of a higher co-payment.
Support Your Public Radio Station