It's the time of year where my company gets ready for open enrollment for health care impacts. Here's the scoop we have from our insurance broker. - Minimum rate increase from a competitive process is 15%. - We have no ability to change co-pays or deductibles or we will not be grandfathered into the "Cadillac Plan" tax exemption. If we do tweak a co-pay by even $5, we will be set the company up for the 40% tax. - Many of our employees fully use the current $5,000 Health Savings Account benefit; this is reduced to $2,500 starting next year, increasing their personal tax liability. How Hopey Changey.