The Affordable Care Act's mandated health insurance exchanges have been running effectively in the past few months after a start that was shaky to say the least, but many experts note that enrollment among the people deemed most critical to the marketplaces' success – those who are young and healthy – has lagged behind considerably.

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Many employers have wondered about just how the various aspects of the Patient Protection and Affordable Care Act will end up impacting their bottom lines, and one of the largest concerns that many companies may have is whether they will be hit with a tax penalty which would be applied specifically for their providing workers with high-value health insurance.

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