Our insurance went from $1400/mo for 7 people, high deductible, HSA to $3000/mo for 3 people, high deductible HSA.  We finally found a policy because we have an LLC with 2 employees, now we pay $2100/mo for 3 people, what will happen next year?  Under the new law, we cannot add an employee unless they are family without offering that person the same insurance, which would be cost prohibitive.  Cannot grow the business. Gov't hinders, it does not help. What is too much?  How could I be spending that money better myself instead of putting it into insurance premiums?  Yes, we have to have insurance in case anything catastrophic happens, but we have no choices, and Alaska is getting worse.  The ACA made everything worse.  Why didn't they just help the people that were without insurance instead of changing it for everyone?  The ER's are still overloaded with minor issues, one of the things that was supposed to be fixed under ACA.  The gov't intervening rarely makes anything better.