Those mandates changed every policy on record.
It just hasn’t hit the rest of us yet.
Latest estimate is that 129 million Americans will lose their current healthcare plan as a result of Obamacare (and Sebelius’ regulations).
My employer has made and absorbed some of those mandates; nonetheless, I’ve already had deductible, co-pay, and premium changes each of the past 3 years... this year was particularly bad... and I’m aware there’s more still coming.