I think it’s great you did that for your employees.  Unfortunately not every company operates that way.  I happen to work for a fortune 21 company and can see firsthand  how they are passing their added subsidies on to their employees.  Costs for my families healthcare has exceed 20% of my income.  It was less than half this amount (Year over Year) prior to 2010.   Many people I know who are in the same position are having to work part time jobs to help cover their costs.  This is a government issue and what Obama has done now needs to be reversed.