It hasnt affected me just yet. My employer's rates have gone up significantly. However after listening to what was said in our meeting yesterday. Apparently our plan is real close to a cadilac plan(2500 deduct single, 4000 family hsa, company kicks in half the deductible). The way the system is setup within a few years we will see our insurance planned reduced or risk having our plan taxed at cadilac rates. Eventually it sounds like our plan should be what can be purchased on the exchanges.
We are also introducing a secondary plan that will have a more limited network but cost less in premiums.
Our plan is similar, with $1300 & $2700 deductibles and the company kicking in $500 & $1000. However, the ACA required us to raise our deductibles to comply, so our two-person deductible is now $3700. We also received a cancellation notice based purely on the extra costs of the ACA and our small company size; however, a demographic change saved us for at least one more year and our cancellation was cancelled. If as expected we are cancelled next year, the exchanges should be up and we probably won't provide insurance at all. At this point I'm not sweating it since I don't anyone knows where the ACA will be in a year. Hell, rates might even come down.
My hope is this, yes. Eventually I hope we are able to get to something more like Germany with a minimum level of insurance provided for all along with the ability to get private insurance on top if you can afford it.
I wouldn't have a problem with that, but I'm not sure it will satisfy many people. Seems to me that Americans want premium care and want someone else to pay.
my wifes hours got cut from 38, down to 28. so yea thanks government for fucking with my families income.
I've seen a LOT of that. I'm not sure if it will be self-defeating since the ACA is now in the hands of the bureaucracy rather than Congress. Consequently the bureaucracy may well require company-provided insurance for EVERY worker no matter the hours, or else make the penalties apply to all part-time workers. In either case, the company that cut back hours to avoid Obamacare's costs may well face sudden cost increases much greater than those they avoided.