There's also not really enough data yet to determine if ACA is driving costs down. Most people expected hospitals to be profiting more, when you're not having to write off billions a year it turns out that's good for business. Insurance companies have more profits to because they have more customers. That effect was a given.
What remains to be seen is whether ACA will lower healthcare costs. I'd be shocked as all hell if it did. I expect to see the same inflation we see with college education.
It should drive down costs, but rather than lower prices companies will seek to increase profits. Until they put something in there where x amount of aca dollars have to go directly toward medical expenses AND medical expenses are negotiated for lowest possible costs the price will rise.
I can only speak for myself but my insurance cost have increased on top of deductibles increasing and zero deductible options being removed. I assume it depends on what your employer negoitiates with insurance companies but this is just what i have noticed from my experienced and i have worked for large companies.


