The Grandfathered clause of the new health care reform gave individuals and group plans the right to keep their current plans. To keep that grandfathered status you can not make any changes to the plan. So that means you can not raise the deductible or coinsurance to lower the premium.  From a employer standpoint the group is unable to shift more than a 5% increase onto what the employee pays. Most small groups receive around a 17% rate increase. It will be very difficult of an employer to absorb all of that cost.

So it is going to be almost impossible to keep the coverage that you have.

If your plan is not Grandfathered in then you can expect to have a significant rate increase just for the new health care coverages.