Obamacare’s public exchanges for health insurance will open for business on Oct. 1. Individuals will be able to start comparing plans and signing up for health insurance online. But as that watershed moment approaches, new signals of ways private employers may change offering health insurance are coming seemingly everyday. Walgreens, IBM, Time Warner and others have already announced major shifts in their policies in advance of Obamacare’s changes. TIME’s Rana Foroohar and the New York Times’ Joe Nocera discuss what that may mean in the long-term for employer-provided plans.