I've been and still am insulated from Obamacare. I was on a group health care plan when I was working, and carried that over into retirement. Then added Medicare a year ago for an additional $126/mo. I modified my group plan, and my monthly premium should go down by over $100/mo., maybe more. It's goofy to unravel; they will rebate me $750/yr that can be applied to Medicare or prescriptions. It would be so much simpler for me if they just reduced my premium by $750/yr.