Many experts believe that if left unchanged the Patient Protection and Affordable Care Act will lead to the end of our employer-based health insurance system. There are a few sections of the bill that help lead to this conclusion.

First of all there are going to be increased burdens and restrictions on group plans. Several of these have already started: extending children's coverage to 26, preventive care with no cost sharing, and the removal of lifetime maximums are just a few examples.

There are also future restrictions on plan designs. In 2014 the maximum exposure an employer plan can have for the employee is $2,000 for single coverage and $4,000 for family coverage. These regulations will obviously drive up premiums.