I'm not sure of the long-term impact, but in fairness I'll say that our company got an "early renewal opportunity" from our current health plan, and it was 3% lower than last year. I was stunned, because we're generally happy if t's less than a 10% increase each year.
I'm not sure if it's Obamacare-related or not since it's just a renewal of our current plan, but I would suspect that there's a link.
Our insurance broker told us to jump on it since we're the only decrease they've seen among their clients. My only theory is that we tend to skew young relative to the work force as a whole, and I know that age-banding comes into play in the new rates somehow.
My ancestors fought cave bears so I could make this post.