Wait until employee based policies start getting hammered full time.
I won’t have to wait very long. After a very small increase last year, my company is getting a 9% increase on our medical insurance premiums as of January 1.
We have long had, or several years before Obama Care at least, a 3 tiered system based on base salary for determining the EE/ER cost share of our employer sponsored medical plan premiums – those that make the least have the lowest payroll deduction (i.e. their part of the total premium), those in the middle pay a bit more, and those in the highest bracket, the most.
But because of the 9% premium increase, in order to stay compliant with the so called “affordability test” for employer sponsored health care plans, we are going to a 6 tier cost sharing set up. Those in the lowest will see the least if any increase in their payroll deductions, while those in the middle will see the highest percentage wise.