Truth be told, this year, the only changes that have to be made is waiving preexisting for kids under 19, and increasing the covered age of a dependant to 26. In Texas, that means one year of extra coverage, as our current coverage level is to 25. Insurance Companies and Employers, are using the fear of Obamacare because it is SO easy, to start padding things for 2012-14 when the SHTF. Can't say as I blame em.