It's still too early to tell whether federal health insurancereforms are having any significant impact on workers' compensationcosts. But it's fair to say that so far, some of the worst-casescenarios raised as the Affordable Care Act (ACA) went into effecthave not yet come to pass.

I've been getting calls lately from people who read my blog ofOct. 2, 2013, "'Obamacare' Might Impact Non-Health Insurer BottomLines," wondering whether any of the possible fallout I cited,either positive or negative, had come to pass. I still believe thethreats and opportunities I posited back then remain plausible, butthey may take more time to manifest themselves.

Supply and demand concerns haven'tmaterialized

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