You are spot on Chris.
Our deductibles are rising as well. This is in part attributable to our so-called Cadillac plan. Ours (we're covered through Pete) is a
Cadillac plan because it costs a lot not because it covers a lot. When you have an aging group of computer nerds pulling long hours you will have high health care costs. Since we have an expensive pool of workers to cover ACA taxes the plan 40% on every dollar over $10,200 spent in premiums.