Listen now (26 mins) | Listen Now Considering the debate over the past five months about repealing the ACA (and more generally reforming the Medicare program via premium support), it is worth remembering that approximately 55% of non-elderly Americans, or 155 million, still receive their health care coverage via their employer. In addition, as of 2016 the ACA requires employers with over 50 employees to either offer health benefits or face a financial penalty. The question remains what is the future of employer based insurance coverage, both for employees and retirees) if, for example, the ACA's "employer shared responsibility" provision and/or the employer tax exclusion (addressed in the ACA by the so called "cadillac tax") is repealed.