Comment on FR Doc # 2012-12421

I am very concerned about how the proposed rule’s stance on how affordability of employer-sponsored insurance would be determined. Currently affordability is determined by the cost of employee-only coverage and NOT the employee cost of the type of coverage the employee currently carries. Many, MANY people cover their dependents through employers -- was it not the intention AND spirit of the law to ensure that ALL healthcare was affordable? The present way of determining affordability undermines, I believe, the coverage goals of the Affordable Care Act, and as I mentioned before was not the spirit of the law or intent of the law. I would hope that the final rule includes the employee’s cost of covering family members when determining whether employer-sponsored coverage is affordable and the 9.5% is carried across the board regardless of the coverage the employee has. I have read comments by organizations that are in support of this change as well. I am NOT an organization just an individual who is responsible for carrying health insurance for my family.