And also Will the plans on the Exchange be comparable in terms of value and cost to what they currently offer? Will the employees accept the alternatives without a lot of disruption? (they cannot afford a disgruntled workforce which would lead to product defects) What will price increases look like in the marketplaces? Will employees have enough choice? Can they remain competitive for labor without their own benefit plan?

Merritt Engineering, Inc. - 2022 Healthcare Plan annual rates DEDUCTIBLE (annual) ONLY FAMILY $5,286.48 Notes on Columns Assume annual wages is total for annual income, county is Monroe Assume no one uses tobacco, and no health insurance available from spouse Assume all adults are age 25 yrs and all kids are age 5yrs K Look on the ACA exchange options and find the annual premium of closest plan (in terms of deductibles and coinsurance) Multiply column J with the income in column D. If they get no protection from marketplace, they must pay full premium listed in the ACA exchange options On neL, how much do they gain financially if Merrit drops health insurance and gives the workers the equivalent of premiums in wages? pok for option that seems close to Merrit health plan on deductible and cost sharing Merritt Engineering, Inc. - 2022 Healthcare Plan annual rates DEDUCTIBLE (annual) SingleFamily$1,500$4,500 COINSURANCE 20% paid by enrollee after deductible MAX OUT OF POCKET (annual) SingleFamily$5,000$10,000 TOTAL ANNUAL PREMIUM -all paid by the employer EMPLOYEE ONLY FAMILY $5,286.48 Notes on Columns Assume annual wages is total for annual income, county is Monroe Assume no one uses tobacco, and no health insurance available from spouse Assume all adults are age 25 yrs and all kids are age 5yrs K Look on the ACA exchange options and find the annual premium of closest plan (in terms of deductibles and coinsurance) Multiply column J with the income in column D. If they get no protection from marketplace, they must pay full premium listed in the ACA exchange options On neL, how much do they gain financially if Merrit drops health insurance and gives the workers the equivalent of premiums in wages? pok for option that seems close to Merrit health plan on deductible and cost sharing Merritt Engineering, Inc. - 2022 Healthcare Plan annual rates DEDUCTIBLE (annual) ONLY FAMILY $5,286.48 Notes on Columns Assume annual wages is total for annual income, county is Monroe Assume no one uses tobacco, and no health insurance available from spouse Assume all adults are age 25 yrs and all kids are age 5yrs K Look on the ACA exchange options and find the annual premium of closest plan (in terms of deductibles and coinsurance) Multiply column J with the income in column D. If they get no protection from marketplace, they must pay full premium listed in the ACA exchange options On neL, how much do they gain financially if Merrit drops health insurance and gives the workers the equivalent of premiums in wages? pok for option that seems close to Merrit health plan on deductible and cost sharing Merritt Engineering, Inc. - 2022 Healthcare Plan annual rates DEDUCTIBLE (annual) SingleFamily$1,500$4,500 COINSURANCE 20% paid by enrollee after deductible MAX OUT OF POCKET (annual) SingleFamily$5,000$10,000 TOTAL ANNUAL PREMIUM -all paid by the employer EMPLOYEE ONLY FAMILY $5,286.48 Notes on Columns Assume annual wages is total for annual income, county is Monroe Assume no one uses tobacco, and no health insurance available from spouse Assume all adults are age 25 yrs and all kids are age 5yrs K Look on the ACA exchange options and find the annual premium of closest plan (in terms of deductibles and coinsurance) Multiply column J with the income in column D. If they get no protection from marketplace, they must pay full premium listed in the ACA exchange options On neL, how much do they gain financially if Merrit drops health insurance and gives the workers the equivalent of premiums in wages? pok for option that seems close to Merrit health plan on deductible and cost sharing