Absolutely one of the biggest nightmares of this new law is being an employer...as the employer, I get the "pleasure" of paying nearly $1000 a month for a high deductible plan (the traditional insurances cost nearly double that)..btw, the deductible is $7000...so in short, that's $19,000 in health care before there's any actual "benefit" of making co-pays. Now as the employer I also get the pleasure of paying an actuary to determine whether or not or business meets the employer mandate...if it does, then we have to provide affordable care not to exceed 9.5% of an employee's gross...well, now I have to figure out how to pay people more in order to provide care for them, or pay the fines. This is going to put many small businesses, including probably mine, out of the running. It's not going help much of anything...it's only causing me headaches and is a nightmare. So much for working to get ahead...the government is taking it all away. The fines will be impossible...and if we don't offer care, then we can't find any employees...we're screwed. I hated this law from the get-go, and now that more of this is being put in to effect, my disdain for it grows by the minute...ugh...