So far, my wife's insurance hasn't changed. But the organization she works for has more than 600 employees. The majority of whom are union members. She is not a card carrying member of said organization.
I think it depends on the dreaded "policy changes" made after 2010. Or if your policy meets government minimum standards. Supposedly, there are multimillions of people out there who have policies that don't meet MDR.
And there are the stories of both huge savings and cost increases.
Glenn Beck even has his own personal analogy: http://www.theblaze....re-to-children/
And no we don't have it real rough; but have had to work to get where we are. Nobody has handed us anything. But that is our fault.