I read the online magazine... where as we got $1500 this year for doing nothing we get $250 next year for doing nothing and $0 the following year for doing nothing. You can make up some of the money by doing physicals etc. but not all of it (less than half). It also mentions premiums going up as well as deductibles.

All in all a net loss to my income well north of $1000 yr. or 1% of my 3% raise. Let's just call it a 1.5% raise in January.