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Wyden’s idea, which he calls the “Free Choice” proposal, is to let anybody buy insurance through the exchanges--and, crucially, to let these people take their employer contributions with them. In other words, if you worked for the All American Widget Company, you could choose from among the plans the Widget Company’s benefit department had selected--or you could decide to buy your own policy through the exchange. And if you opted for the exchange offerings, you could use the money the Widget Company would have given you to pay the cost of its plan.
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