I've seen this at the company I work for. The employee and employer contribution both are growing rapidly.

This year I was given a choice of three plans. I took the most expensive one.

I then found out that the only drug I need --- an anti-inflamitory for chronic back pain --- went from a $10 co-pay to $50. It's a generic drug that cost less than $58.

They're nothing but crooks and it's time for big change not tinkering around the edges.