When Cynthia Edson learned how much her husband's employer-provided health insurance plan would change in 2014, she compiled a to-do list. Get a skin-cancer check and an appointment with a gynecologist. Renew and fill the family's prescriptions. Schedule a blood draw for her husband and youngest daughter. Edson sprang to action because her husband's employer drastically changed its health-insurance plan for 2014. Citing the nation's new health-care law, the company switched to a high-deductible plan that won't pay for medical care until the family spends $4,000 out of pocket.