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The benefit exchanges won't start until 2014 so the impact of covering the uninsured won't happen for a while although I understand what you're saying about ramping up premiums (but don't believe that is happening). There are regs. in place so currently on a fully insured plan, the insurer has to refund $s to the comp./emp. if the loss ratio is lower than the regs. If you work for a larger employer, you're probably self insured and the new mandates that have been already put in place didn't impact the cost that much. Supposedly there is a long article in Time mag. about how costs at hospitals are out of control - and that has nothing to do w/Obama care.
And Johnny's said that his cost went up in 2012 $2,500 b/c of Obamacare (not what will happen in 2014).
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