Insurance Coverage Litigation


William J. Toman quoted in article “Worst-Case Scenarios If the High Court Shoots Down Obamacare”

Inc. Magazine

Below is an excerpt:

Imbalance in the States

If no one blinks, however, and the subsidies disappear in two thirds of the states, businesses would be on unequal footing with one another. In states where the ACA is no longer operable, businesses with 50 employees or more would no longer be required to offer health care coverage or pay penalties. But businesses in the states that operate their own exchanges, where residents would still be eligible for subsidies, would have to continue playing by the prevailing set of rules.

“There would be a division between the 34 states using the federal exchange, and the 16 states and the District of Columbia that don’t,” says Bill Toman, a partner in the insurance regulatory practice of law firm Quarles & Brady. “The players would be required to provide a certain level of coverage, and the others would not.”


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