Stuck in a corporate job he called “not exactly fulfilling,” a 35-year-old man in Austin, Texas, told an NBC News reporter in September 2013 that he looked forward to the advent of Affordable Care reforms on January 1, 2014, because he will be able to quit and start working as an independent consultant. He couldn’t move on earlier because his wife has rheumatoid arthritis, a pre-existing health problem that made his employer benefits indispensable. Insurance companies would have charged him very high premiums for any plan he tried to buy on his own.

About three-quarters of Americans who work full time get health insurance through their employers, so the Austin man is not alone in experiencing what experts call “job lock” – a reluctance to change jobs for fear of losing employer health benefits. It’s a problem not just for would-be entrepreneurs but also for employees who just want to consider changing jobs. more...