The nation's large self-insured employers are beginning to abandon their health benefit programs

[Honeycombe8]

19. $5k won't buy an ins policy for a year. Not a decent one. My state won't have exchanges...

TX will not allow them. I hope that means the companies won't go to this "you're on your own" plan. If they do, a lot of people will drop into the uninsured world.

Maybe $6,000 to $8,000 would buy a decent policy. (these won't be subsidized under ACA)

Firms have been pushing the Health Savings Accounts plans in the last few years. The deductible keeps getting higher and higher, making them not cost effective. It's sort of like not being insured up to a point. But the ACA will soon make those inpracticable to be sold for some reason. Maybe it's the 85% rule. Those plans don't meet the 85% rule, I think. I haven't opted for that, since I can't figure out under which plan I'd be better covered. It's so iffy, requiring so many assumptions just to compare them. That's intentional, of course. If Health Savings Accounts were clearly better for you, it would show up in a simple comparison. The fact that it's so close tells me the deductible is too high.