My prediction is that group health care plans will be going away.

They will die off in the same way that the defined benefit retirement is dieing. Existing contracts will be honored but a new tier of employee will be created.

Employers will convert the health benefit into income and you will be responsible for getting your own health care. Which it not an option any more!

Employers will do this to limit their exposure to escalating costs, putting it onto the individual. It will be the employee's income getting squeezed, and their choice as to how much their insurance is going to cover.