Premiums would continue to rise even if the current reform is passed. What isn't being aknowledged in the statements that President Obama is stating about expanding premiums is the fact that the tax credits will be what saves. With annual premiums eventually leveling off, it is speculated that the tax credits would be the saving enabler.

With an estimated premium drop of $3,000, Obama stated that employers could place focus on the real issue: Salary increases.