My Blue Cross Blue Shield went every year BEFORE ObamaCare....I, like you were paying about $300 and it went up to close to $700 but that was with $1,300 deductible and $3,000 total out-of-pocket.  Of course your husband has a very costly medical condition.  Going direct means directly to the insurance company and not through the exchange.  I think going through the exchange when you make money is more costly and has higher deductibles.  I think ObamaCare has caused premiums to go up but I believe it to be temporary....I think it will stabilize after a couple of years because of all lthe people who didn't go to doctors and get procedures done....they will not have as many procedures or doctors appointments after a couple of years.  Obviously those are my thoughts...don't know if it will happen.  When you are pricing your products remember your medical is part of your cost of doing business.  Employees get insurance mostly paid whether or not they have a serious disease.    Every single order price should have part of your medical insurance allocated to its cost.  Not saying that you do or do not but there are abstractors have no business sense and the cost of doing business and that is why they don't make it.

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