I disagree that it is lowering the cost. If I spend $100 this year and expect to spend $108 next year but only spend $104, I will still spend more money. I call that a price increase.
You're still better off than you would have been having to pay $108. However you think about it.
Personally, I think the election was far more a reflection of the economy than any specific program. Perhaps I'll be proven wrong. Either way, we can look forward to two years of 100% obstructionism from the Republicans, given that they have been saying quite loudly that is the plan.
Hope you like where we are, legislatively, because nothing is going to get done. Perhaps this time around they'll be smart enough to avoid forcing a government shutdown.