We just received our new rates from United Health Care for 2014. Small Biz plan. Our rate increase will be 18.7% for 2014 over 2013. Our rate increases for 2013 and 2012 were 13% for 2013 and 9% for 2012. I thought our per family costs were going down by $2500 with Obamacare. Looks like on average, they will have gone up approximately $5 K annually since passage. How can this be?