Businesses brace for wellness law’s protection requirements, potential costs Some large companies are scaling back generous health plans they have traditionally offered employees, despite the fact that the so-called 'Cadillac tax' on high-end programs doesn't take effect until 2018, while small firms are discovering early protection self-insurance and renewals endometriosis . THE BRAND NEW York Times: High-End Wellness Plans Scale Back To Avoid 'Cadillac Tax' While most of the interest on the Obama administration's health care law offers been on providing protection to tens of millions of uninsured Us citizens by 2014, employees with employer-paid medical health insurance are beginning to feel the effects also.