Been there, done that. Have been informed already that if we want to continue getting the same coverage we had under the plan that just got taken away from us, we'll have to pony up $800 more a month in premiums; on the other hand, if we want to keep paying the same premium amount, then we have to accept a high deductible - $5,000 - which will basically make it impossible to get routine medical care because we cannot afford to go $5,000 out of pocket before coverage starts just as we cannot afford to go another $800 a month out of pocket to keep the exact same coverage we had under our previous policy - the one we voluntarily chose before the government told us we were too stupid to make such important decisions for ourselves.