I'm confused...so delaying Ocare would make rates skyrocket right? From almost everything I have heard most peoples rates have already skyrocketed. So what am I missing? My sister works for the county school system and as soon as the law was passed they all got called in and were told that their rates were tripling due to it. The rates have actually been increasing for the past three years in preparation for the law but the major hit is coming now with huge deductibles which I think may be very hard on families to budget for.