Pre-existing conditions shouldn't result in a higher deductible or higher fees, after 1/1/14. Are you sure about that? And the high deductible / out-of-pocket is a shame. In most states it looks like it wouldn't be nearly that high but one thing I've seen from checking different exchanges is that what you can get varies widely from state to state.
If you have fewer than 50 employees, I'm curious why the new regulations don't convince you to drop coverage for your employees, and just give them the money directly that you used to pay for insurance. Do the employees still want it as a benefit even if it's going to have to switch to obamacare? It would be interesting to hear the employer's side of that decision.
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