Quickquotescahealthinsurance.com

Adequate health care is both the right and responsibility of every individual. Health insurance should not be restricted by an individual's medical condition, and individuals should be responsible for having insurance for catastrophic health care expenses beyond their financial means.

As the dust settles on the Patient Protection and Affordable Care Act, some analysts are predicting that beginning in 2014, a substantial number of employers will elect to terminate their health plans and simply pay the annual penalty of $2,000 per employee.

While health care reform enters a cooling-off period, employers insist that reform must make cost containment a central theme in order to lower health care costs, reports the National Business Group on Health and Towers Watson.