I still don't understand how they can say they would have to close, when no one has even seen preliminary numbers yet. On top of that, it sounds like your firm would not be affected, due to it's size. Your employer sounds like they'd fall under the 50% tax credit if they did offer the insurance. Like I said, take everything with a grain of salt right now. With both plans. Which ever person wins, there will be so many revisions and such before any of them are even considered for going into the books.