When many employers stop offering health insurance to their employees...

[OrwellwasRight]

54. Virtually all insurance will be sold inside the exchanges if not-employer sponsored.

That is the point of the exchanges.

Currently, federal law does not place any limits on the ways that insurers set their premium rates. However, beginning January 1, 2014, insurance companies must meet minimum premium rating rules for health plans for individuals and small businesses. Health plans will be allowed to adjust premiums based only on the following factors:

Individual vs. family enrollment (i.e., individual + spouse, individual + dependent(s), etc.)
Geographic area
Age (but cannot vary by more than three times among adults)
Tobacco use (the rate cannot vary by more than 1.5 to 1)

Other factors that insurers traditionally use to charge higher premiums, such as health status, use of health services and gender, will no longer be allowed under the ACA. The rating rules in the ACA set a floor, so states can retain or enact a tougher standard than federal law.

(emphasis added)

http://101.communitycatalyst.org/aca_provisions/setting_premiums (see also page 46 of the ACA, consolidated law, dated June 9, 2010)

From the ACA itself:

‘‘SEC. 2704 [42 U.S.C. 300gg–3]. PROHIBITION OF PREEXISTING CONDITION
EXCLUSIONS OR OTHER DISCRIMINATION BASED
ON HEALTH STATUS.
‘‘(a) IN GENERAL.—A group health plan and a health insurance
issuer offering group or individual health insurance coverage may
not impose any preexisting condition exclusion with respect to such
plan or coverage.’’;

Page 45 of the consolidated law, dated June 9, 2010.

I believe "no exclusion" means "no exclusions". Otherwise, it would say "except for temporary exclusions for new customers" or some such nonsense.

And, yes, I said there can be enrollment periods. This will cut down on abuse (like buying insurance on the way to the hospital) and keep costs down for us all.