I really, really would like an “expert” to tell us exactly how the Affordable Care Act will lower employer costs in any way. Aside from the new taxes and fees, there are numerous mandates that add costs, plus there is significant added administrative costs for employers. The IPAB affects Medicare with potential to shift more costs to the private sector. If every trial program under Medicare were successful and then transferred to the non-Medicare population, perhaps there would be savings, but that’s a big if. So, exactly how does Obamacare lower costs at all for the typical large employer (especially given they are virtually all self-insured)?
If employers were confident that Obamacare was the answer they have long sought, they would not be changing their benefit programs, adding high deductible health plans, raising cost sharing premiums, increasing deductibles and co-payments, adding penalties associated with wellness participation, etc.