Your employer will drop his benefits. Why? Because the Obamacare penalty is cheaper, and/or, the Boss will go to an Health Reimbursement Arrangement, avoiding both the hassle of group health, and the penalty.
Here's what you need to do if you have pre-existing condition that prevents you from getting individual traditional health insurance.
Now, other plans exist that could help with Rugby injuries, so don't fret. And, remember, in 2014, and if Obamacare is not repealed or de-funded, you can buy health insurance AFTER a prop falls on you.
Doesn't make sense, but that's how it is...