You're right. They have been nasty. I think Obamacare kicks it up a notch, though. The way I see it, the insurance companies now have a lot of new incentives to deny payment for a broader spectrum of care.
It also creates incentives for employers to reduce benefits, and that is definitely happening in a widespread way.
All of those pressures to get you out of an employer based plan and into a government plan are working. The diabolical thing is that the state exchanges either aren't established at all, or are established but not functioning well.