Many Low-Income Americans Expected To Spurn Expensive Obamacare Coverage

Penalties for refusing coverage will be a lot cheaper then rising premiums

Millions of lower-income workers may gain access to employer-sponsored health insurance under the Affordable Care Act—but they may decide not to purchase that coverage.

Most of the lowest-income workers currently offered health benefits elect not to enroll, according to a new study from the ADP Research Institute. While the Affordable Care Act does require large employers to offer coverage, this study raises the possibility that Americans may still decide to forgo the option.

"In 2014, there are going to be a number of people who are eligible for benefits for the first time" ADP's Christopher Ryan said. "These additional people are primarily lower-income and the critical question is: To what extent, if they have the opportunity to purchase benefits, will they participate?"