Spot on Cass. My premiums were set to double this year, just as my in-network doctor list was shrinking, deductibles and copays went up, and coverage became more restricted. Fortunately, my employer, unlike most others these days, realized the costs were simply too high to pass onto individual employees. So we shopped around, found a moderately better priced plan with similar coverage, and switched insurers. Unfortunately, most employers simply pass higher coverage costs onto employees without really looking into alternatives, or worse cut insurance benefits all together.