Obamacare really hasn't been fully implemented though. Until insurance companies cannot bar anyone with pre-existing conditions, and until the exchanges go into

Obamacare really hasn't been fully implemented though. Until insurance companies cannot bar anyone with pre-existing conditions, and until the exchanges go into effect, it's hard to truly say what premiums and coverage will be like. If I were to predict, I think ultimately you see more people go for high deductible / catastrophic only plans, creating a more transparent, open marketplace for most non-emergent/outpatient care. Perhaps the plans will provide some exceptions, such as coverage for cancer care - although that will probably happen over time when the government requires them to. I think that leads to lower costs for individuals. With the availability of more interesting pricing schemes, would also hope the disastrous icd-9 and cpt systems get wiped out, but less optimistic about that.