Obamacare does not increase the deficit because it has its own set of taxes on high bracket taxpayers. This has killed earlier Republican plans because they cut Obamacare and Medicaid by a $ Trillion, but only cut the deficit by $ 325 Billion because they spent most of the savings from cutting expenditures and programs on tax cuts for high bracket taxpayers. But the latest bill keeps the taxes in place to help pay for Federal block grants to the states. The employer group plans have been popular because of low premiums with large national pools for insurers using the same policy forms, plus drug and eye coverage, and other benefits,and a tax credit for employers to cover costs plus a tax exemption for the employee so no tax on the employer’s share. We and employees were happy when we showed them what an individual plan costs.