Right. I have, it's not very clear how it is calculated, some state call your HR dept and ask as the only real way to know, because it's base off what you and they pay and you don't know what "they" pay.
But here's an article, there are so many on all sides, it adds great confusion. But they list plans like I have as being already affected (I know mine has they said they are already making adjustments to make sure we are under threshold) and yours is way better than mine ever was. So someone is wrong somewhere. It's getting a true answer in which I'm seeking now.
http://www.businessinsider.com/cadillac-health-plans-taxed-by-obamacare-2013-8
"Already, companies are increasing the share of costs shouldered by employees by raising deductibles on the plans that they offer. From 2008-2011, the average employee’s deductible increased 17 percent from 2008-2011, but last year alone the deductible went up 13 percent."
This has happened to me. Mine have gone up because "it was too good", you don't even have one, that is the best. Your's sound very close to what they call CEO plans, which are valued at 40K, zero on almost everything.
“Employers can’t wait until 2018 and make one huge change to their plans,” says Tracy Watts, a senior partner with Mercer. “They’re already starting making changes now, so that in 2018 it won’t be as hard for employees.”
That is exactly what they told me to. However I never liked that logic, we'll stick you with fees today that you don't have to have, so in 2018 it wont feel as bad. However it sounds to me like I could be pocketing more today and just pay what is needed when 2018 kicks in, if it ever kicks in. Half the country is trying to abolish it before 2018 ever happens. I've also mentioned that concern as well. We are paying more today for no legal reason and it may never even happen. So lets say the law is repealed. You know they aren't gonna give us back better premiums.
"Many people would be surprised to learn that their current plan would be considered a “Cadillac” plan under Obamacare rules.
“Most of us pay high premiums, and don’t feel like we have a high-cost policy,” says Cynthia Weidner, vice president of health and welfare and consulting at HighRoads. “Everyone thinks, ‘I don’t have a Cadillac plan, my coverage stinks.’”"
You don't think your plan stinks, so others that have much more premiums think their's does but will qualify for the Caddy. See the disconnect?
Don't confuse me with me telling you black and white yours or mine is one way or the other. But just a little quest to see if we can find clear truth in the matter. I'm not sure anyone here is qualified to say for certain their plan is one way or the other. Well unless you can provide a LINK that makes it clear, which I'm all open for.
