Now that hundreds of waivers have been given out and the White House has pushed business compliance back until AFTER the 2014 election (how convenient) ... What else can you expect? Call your insurance provider and ask... Chances are that will be an eye-opener, as it was when I called CIGNA... Call your people and then share your experiences..... Yes, it is uncharted territory we are entering, indeed.... On, and my insurance premium went up 20% on July 1... No reason except the coming "benefits" of Obamacare...