I'm not sure how you're buying your health care, but less than 10 employees puts you at their mercy really. Most companies that size use an HR company. I'm guessing someone at your company is "using" the insurance, thus they can jack up your rates to get rid of you, while they can't do that as easily with an HR company because of the sheer number of people involved there.
They still jack up rates insanely anyways. Higher copays + flex spending helps. By 2018, you'll probably be able to find another provider to dodge that. But realistically, yoy increases on any provider is going to be a problem. If 33% puts you over the limit now, that means even if you had a 4% increase yoy, it would basically put you into the same boat in 7 years.
they can pretty much charge what they want, using non-discriminatory things such as costs, age of employees & health status, etc. You're totally screwed. Sorry. A public option would have been nice but unfortunately healthcare will continue to soar upward.
Think of it this way... I had a credit card at 9%. It was raised to 19% when the cc reform was suggested, then 29% with a small monthly rebate after it passed but before it took effect.
Nah more likely it keeps going down / staying stable and patient premiums keep going up. I wonder where it's going to? Oh yeah I know 1) HMO CEOs and administrative cost (private and govt) 2) "self-pay" aka no-pay patient cost coverage