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Is Employer-Based Health Insurance on Its Way Out, and If so, Is It More or Less Practical to Maintain It as a Benefit in a Healthcare Organization?

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Is employer-based health insurance on its way out, and if so, is it more or less practical to maintain it as a benefit in a healthcare organization?
I do believe that employer based insurance is on its way out. Large organizations with a certain amount of full-time employees are now mandated by the Affordable Aare Act ( ACA) to offer health benefits to their employees. Otherwise, they will have to pay a penalty for not offering benefits. Some employers are faced with many financial challenges and high expenses in trying meet this mandate of offering benefits to their employees. They are weighing the costs of proving insurance versus paying the penalty. Some organizations believe that the cost of offering benefits outweigh paying the penalty. Thus, many organizations are dropping out of offering benefits and simply paying the penalty. So employer based insurance will continue to decline as time goes.
2 - How has the Affordable Care Act affect employer based health insurance benefits?
The Affordable Care Act definitely has an impact on how employees can purchase insurance and what benefits their employers offer. Companies that have not initially offered health insurance to their employees are now be mandated to do so. Under ACA, coverage offered by the employer must be affordable and cannot cost more than 9.56 % of the employee’s household income. If coverage is not affordable, the employer has the option of using the Marketplace, but the employer may be fined. The benefits offered to the employee must also meet the minimum

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