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Over the past few months we've said to many of our customers that it feels like we come into work in the morning and have to check the news to find out what options we have to offer them! The Wall Street Journal summarized some of the main changes to Obamacare over the past few months - and it reminds us of what a crazy year it has been. here's a sample:

July 2: President announces a one year delay to 2015 of requirement that large employers offer coverage.
Nov 14: President Obama asks insurers to extend individual health policies that had been canceled for not complying with the law.
Nov 21: Open enrollment for 2015 coverage delayed one month to Nov 15, 2014.
Nov 22: Initial deadline for coverage starting Jan 1 extended to Dec 23 from Dec 15th.
Nov 27: Online marketplaces for small businesses delayed for first year in 36 states using federal exchanges.
Dec 18: Insurers agree to give patients until Jan 10 to pay for coverage that starts Jan 1, at Obama administration's request.
Dec 19: People with canceled plans given “hardship exemption” to be allowed to buy cheaper catastrophic plans.

Some people have noted the irony of the fact that the Republicans tried to legislate a delay, which Obama ferociously resisted. But then, piece by piece, he has personally dismantled much of the law!

If you've been wondering how all of these changes affect your own coverage, you're not alone. Our hearts also go out to all of the employees of the health insurance companies who have been repeatedly asked to make complex changes on a moment's notice.

Insurers and consumer advocates are becoming increasingly concerned about the above changes. Their overall effect is to encourage fewer young and healthy people to enroll in the new plans. Many sicker people are getting coverage. But this imbalance could quickly destabilize rates for these new plans - causing them to skyrocket at renewal.

That creates an unstable and unsustainable market that points to increased uncertainty in the coming year.

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