I am a small business owner who provides health care coverage at 100% of the premiums for myself, my family and my employees. Of course, premiums have always increased in the 29 years I have been providing it, but since last year when we were no longer allowed to be "grandmothered" on noncompliant ACA policies (that were excellent deductible HMO's with Kaiser, not junk), not only have premiums risen but COSTS have increased exponentially.  All on annual age increases rather than decade groupings as well. I received our notice from Kaiser just this week. For the bargain price of around $900/month p/person (currently our employees are all middle-aged) we get a Silver 3500/40 (up $10) 30% co-insurance (up 10%) OOP max $6,500/$13,000 (up 17%) Emergency $400 (up 15%) $60 visit (up 20%) gem. Also, last year they started doing the "preventive/diagnostic" scam and charging for blood work. Healthcare COSTS MONEY but only a few will PAY FOR IT. ACA did not care about costs, only who paid. Me.