It’s Open Enrollment time again for many companies. Those covered by Small Group plans, are fearful of what this year’s rate changes will bring. Premiums have risen sharply for the past several years. To manage the expense to the organization, increased co-pays and high deductible plans have typically been passed on to your employees. Federal Regulations Bring Change and Clarity Due to The Patient Protection and Affordable Care Act (PPACA, commonly known as “Obama Care”), employers will see changes not only in price and coverage, but in how these changes are portrayed.