That is looking at the worst case, sure. It's like when I looked into solar, the analysis on the savings had Gas and Electric sky-rocketing to places I don't believe will happen to make solar look better. Why do I not agree? Because I don't see the American worker making that much more income to be able to pay for that spike. Do you see $1300 a month gas/electric, less a energy crisis?. They are only going to be able to charge what the masses can afford. It's not like they won't say to me whatever they need to for the sale, that's timeless.
So I take that scenario into your thinking. Ok lets say employers all across the land simply drop health care and don't give us any raise to buy our own. And then a family plan costs $1000 a month or much more. Well that isn't going to work for most anyone. So I don't live in that worst case because in all reality it becomes an impossible case. If it's as messed up as you think it could be, it will be adjusted, it would have to be adjusted and that is part of the gov't job. Sort of like a bail-out, if they are put in a corner they will have to react.
I know many see it the way you mention, some hopes it happens because their politics are that strong. I don't simply see it because it's a doomsday scenario that would be adjusted before doomsday happens. And if it were to happen and not be adjusted, the Democrat party could just go and fold, they'd be out of office so fast and then the Repubs with that way. So why not let them hand themselves?
To note I have heard several small business owners state they can now afford health care that they wanted to offer all along but couldn't with the old rules. So you are going to have both sides wrangling over it. I'm going to continue to live with this thinking for the time being:
1. Health care was a mess for decades,universally understood. It only now has been considered good again because one of the parties actually made a move to change something and the other party and it's constituents feel threatened by it. (Human nature)
2. The side that made the change has stated if it needs adjusting, if things didn't work as they planned, they will make changes. (That's how it all is supposed to work)
3. The side that didn't make it, doesn't want this to work, because that would show the other side made something historical that worked. (Threatens their votes, this is what gridlock is all about)
4. You would think big companies would be for this new medical plan then... they would all be able to get out at providing health care. You'd think they'd be whistling Dixie right now if they felt that your view is the probable ending to these new medical rules. Best thing evah!