Hello, I'm just trying to get a feel for what the healthcare reality is out there for those in the education profession. I work at a private school, and it was recently announced that our premiums are going up again - just as they do every year - but also that we will soon have to pay a higher percentage of the premium overall. Without going into too much detail, I'm looking at a pretty significant premium increase of over 40% for my single coverage. They said it was due to Obamacare, but I've done a bit of research and am not sure how Obamacare caused this since we are nowhere near the "Cadillac" penalty, which would only affect your school starting in 2018 only if they are paying over $10,500/year for a single person or $27,000 for a family - my school pays well below this. I don't personally know anyone who teaches in the private or the public sector who pays over 20% let alone as much as we will soon be required to pay, and in the schools I've taught in the past it has never been over 20%. However, I live in a unionized state where most public districts have great health benefits. Is the above happening to anyone else in private or non-unionized public schools?