Federal law allows workers who leave a job to continue to participate in the health insurance they were receiving through their employer. However, they have to pay the full monthly premium (usually the employer pays a large portion of the premium). This high price has led many people, especially the healthy ones, to drop coverage. Insurance companies report that these plans lose them money. Relate this description to the concepts discussed in class and the Affordable Care Act.

*Concepts discussed in class: Moral Hazard related to Health Insurance & Solutions to it, Cost-Sharing, Affordable Care Act*

I just need a basic description, I'm a little lost.