What's Ahead for 'Mini-Meds'?

Beginning in 2014, employers with more than 50 full-time employees must either provide health care plans with "minimal essential coverage" or pay a penalty. Health care analysts predict many employers will choose to pay the modest tax penalties instead of providing the far more costly and administratively time-consuming health coverage.

At the same time, the reform law mandates that everyone without employer-provided coverage must purchase their own health care policies that meet government specifications, and provides subsidies for lower-income individuals to do so.

Time will tell if there continues to be a role for limited medical plans at that point. However, a lawsuit against the individual mandate is expected to eventually land before the U.S. Supreme Court . Absent an individual mandate to purchase comprehensive health coverage, employer-provided limited medical plans could find they've been reprieved. Under this scenario, small employers—and larger employers choosing to pay the penalty instead of providing comprehensive coverage—might offer limited medical plans as an employee benefit to those who would otherwise go without any coverage.

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