Has anyone on here actually had any change in their coverage? I have had literally ZERO change in anything.
Sounds right. I said it like a hundred times in this thread, but nearly all of the ACA changes that affect people who get insurance through their employers actually went into effect well before 2013, when the Exchanges started. For some reason, people waited until that time to start going nuts about the ACA.
ACA requirements began going into effect in 2010. In addition to that, many states had already adopted regulations similar to aspects of the ACA - on pre-existing conditions, for example. So, the growing pains were pretty much a thing of the past by the time 2013 came around.