Between 10 million and 20 million Americans may lose their employer-sponsored health coverage because of the COVID-19 economic downturn during 2020. While some portion of these people will qualify for Medicaid coverage, others will seek individual coverage on the ACA Exchange market, purchase low-cost plans or simply Ògo bare.Ó As more businesses lay off workers permanently or shut their doors, the impact on the commercial insurance market, utilization patterns and the financial health of providers has been, and will be, considerable.