your health care costs may go up -- they tend to every year -- but not much of the higher costs are likely to be because of health reform. employers continue to shift more health care costs onto employees as a way of keeping their own costs under control. and despite the high cost because employers tend to cover a big portion of your premium and because your employer-sponsored health insurance is a tax-free benefit it's often the best deal in town. still you may want to consider other plan options if your employer gives you a choice. there may be another alternative that will cost you less money but still cover your medical needs. you can read further about employer vs. marketplace plans at the health reform 101 blog: <link>.
my wife and myself are insured through her employer's health insurance plan. . we pay over $800 per month for coverage. will we be paying more or less or will the new laws affect it?