The College of Western Idaho looked into the possibility of offering its adjunct faculty a group health insurance plan--something that would be paid for by the employees. It is better to have a group health insurance plan, even if you have to pay the costs yourself, then to pay individual health insurance rates. It turns out that the College can't do this--and for a reason that is disappointing and despicable.
Another adjunct faculty asked around at Blue Cross about this, and apparently federal law requires employers to pay at least half the costs of employee health insurance--even for part-time employees (who might otherwise have no group health insurance plan available to them). This effectively prohibits employers of low-wage, low-skill workers (like adjunct faculty) from offering any sort of employee health insurance plan. I am attempting to find the section of federal law that does this, and whether this part of Obamacare or is a pre-existing condition. (Think of federal law as a disease; it explains so many other aspects of this.)
There is a tendency in some circles to blame free markets for failing to care for the poor. This is an example of government interference in free markets to the detriment of the poor.