The minimum coverage that the law guarantees everybody is not that generous, which means even some people with insurance will face high out-of-pocket expenses. But the relevant comparison is to what those people have now—frequently even less protection, or no protection at all. And that’s the standard by which to assess all of the law’s side-effects. Are employers squeezing retirement health benefits? Yes—but they’ve been doing that for years, long before Obamacare came along. Are some part-time workers losing hours? Yes—but part-time work was rarely stable and at least now all part-timers can get health insurance.
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