Say goodbye to that $500 deductible insurance plan and the $20 co-payment for a doctor's office visit. They are likely to become luxuries of the past. Get ready to enroll in a program to manage your diabetes. Or prepare for a health screening to determine your odds of developing a costly health condition. Expect to have your blood pressure checked or a prescription filled at a clinic at your office, rather than by your private doctor. Then blame — or credit — the so-called Cadillac tax, which penalizes companies that offer high-end health care plans to their employees.