Starting in 2018 doesn't alter the fact that many employers are doing away with the option well ahead of the deadline. If your employer chooses to change their policies well ahead of the deadline and your options lessen, it doesn't really matter when the actual change happens. What matters is you have lesser coverage, often for more money. This is reality for many. As the employer (not under these guidelines as we have few employees), we're scrambling to try to reduce costs. It's not easy.