If you pay $200 a month on insurance premiums in 2013 and the policy price remains constant in 2014 then you would be paying $216 a month, that's a $200 increase a year, if your premiums increase due to ACA and other factors not only will you be paying more because of the law and policy change but you will be paying 8% on top of that increase. It seems small but it could turn around and be a significant increase pending on the law. a little here and a little there adds up over time and sadly it's backwards instead of forward.