I hadn't even considered this angle ... premiums would increase even more in 2014 if the health insurance industry had to absorb the results of the capped out-of-pocket. So, by delaying a year, premium sticker shock will occur in two waves.
Above, the POTUS is quoted as saying, not to worry since major medical caps will be in place ... just not the drug cost caps. However, remember the insurance companies will be insuring pre-existing conditions. Some of those conditions may cost just as much in drugs as in major medical costs:
If the insurers were also required to absorb the cost of very expensive treatments not covered under plans, like new prescriptions for cancer treatment that cost more than $100,000 per year, at the same time, premiums would climb even higher.
So a cancer patient could still lose everything they own during 2014 ... and/or their life.