The Patient Protection and Affordable Care Act was touted byPresident Barack Obama and his allies on Capitol Hill as a remedyto treat the nation's ailing health care system and ever-risinghealth insurance costs. But as employers, employees and theirbenefits brokers and agents work through the implementation ofPPACA, more and more side effects appear each day.

There have been reports of rate increases from Ohio and Oregon.There's concern over the levying of excise taxes on so-called“Cadillac” health care plans. And it seems like a person can't gotoo long without hearing about the progress of his or her state'sinsurance exchange. Health care providers, insurance companies andhuman resources departments across the nation have worked more thana little overtime as the nation hurtles toward the 2014 deadlinefor implementation of the controversial law.

But one area of the benefits industry is getting a bit of goodmedicine from PPACA. Supplemental health insurance—policies peoplepurchase in addition to traditional health insurance—managed toescape much of Obamacare's sweeping changes and labyrinthineregulations. A recent study by CSG Actuarial in Omaha, Neb., foundthat Obamacare leaves supplemental health insurance largelyunaffected and will have very little, if any, impact on a certaintype of supplemental plan known as Medigap.