Sec. 2. "Crowd out" means the extent to which: (1) families substitute coverage offered under the program for employer sponsored health insurance coverage for children; or (2) employers: (A) reduce or eliminate health insurance benefits for children under an employer based health insurance plan; or (B) increase the employee's share of the cost of benefits for children under an employer based health insurance plan relative to the total cost of the plan; as a result of the program.
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