from what i read on another article the company has to cough up the 65% and the govt. will reimburse them????? good luck! i can see cos. on the ropes saying screw that and filing nk or something. not sure how this is going to work, but i need it also...got laid off on 12-31 and our new ins. SUCKS!! GI is not on plan, drugs are not covered...i need my old ins back...so i'm curious to see how this is going to work.