Major provisions of the 2010 health-care-overhaul law will take effect in January. That's when employers with 50 or more full-time workers must offer them health insurance or pay penalties. Likewise, individuals must obtain insurance or pay penalties.
Analysts say they expect some employers to stop offering insurance, because the penalties will be less expensive. Other employers already are moving to reduce the law's impact by limiting hiring or reducing some workers' hours.
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