Making health-insurance changes, including big premium and deductible increases when the rate of increase in health-care costs has slowed, creates a “messaging issue,” says University of Michigan business economics professor Thomas Buchmueller.

“That’s not an easy conversation,” says Buchmueller. “It’s convenient to say, ‘the ACA is raising our costs.’”

Big companies citing the ACA are “using this as cover,” says Farzan Bharucha, a health-care strategist for consulting firm Kurt Salmon. “Companies are making a business decision that by dropping or limiting coverage you won’t have employees leave.”

Still, there has been big news from some big companies – and even a major university – and some cite the new law.

Among them:

Darden Restaurants. The owner of Red Lobster, Olive Garden and LongHorn Steakhouse, decided last fall to hire fewer full-time workers and more part-time workers to lessen expected costs of insuring full-time workers under the ACA. But it reversed the policy in December after complaints. The company recently decided to give employees a designated sum of money to use to choose their own insurer and plan level through a private online exchange that is separate from the new government exchanges. Darden says the move is unrelated to the health law. Private exchanges are an increasingly popular way for employers to reduce their health costs without cutting coverage for employees, who would be considered insured for the purposes of the ACA.

Home Depot. The retailer said last month that full-time employees’ insurance plans will cost more this fall because its insurance prices had risen. Spokesman Stephen Holmes wouldn’t comment on whether that was because of the ACA: “We don’t discuss our cost structure, so I’m not going to point specifically to any one thing.” The home-improvement chain also said in September that it is sending about 20,000 part-time employees who had low-cost/low-benefit “mini-med” plans prohibited under ACA to the new federal and state marketplaces to buy their own insurance. Holmes wouldn’t disclose whether workers will get a subsidy to pay for their new insurance, but these plans are nearly always paid fully by employees.

“There’s nothing in the ACA that would make dropping spousal coverage be an obvious response,” says Buchmueller. “That’s the type of strategy firms have been doing for a while.”

Most large companies made any big ACA-related changes to their health-insurance plan two years ago, says Bryce Williams, managing director of global benefits company Towers Watson Exchange Solutions. He says only about one in 10 of the major companies Towers represents are making major changes to their health plans this year. Towers Watson represents about 80 percent of the companies on the Fortune 500, he says.

Some changes, like the elimination of mini-med plans, can benefit employees. Some workers were shocked to find how little coverage they had when they landed in emergency rooms. Private exchanges, which IBM and Walgreens have also announced they’re moving employees to – can be what Williams calls a “win-win” for workers and employers. Many other experts warn that employers’ contributions may not keep up with premium increases.

It’s far more believable for a small company to cite the new law than for big employers to do so as it’s had little effect on them financially this year, says Allen Wishner, CEO of Flexible Benefit Service Corp., which serves insurance brokers for small to midsized companies.

These companies have far more regulatory burdens and costs associated with the new law, he says. In July, those employing more than 50 workers were given another year to provide insurance to all full-time workers or face a $2,000-per-employee fine.

“I struggle to see what’s different” for large employers, says Wishner, a director of the Employers Council on Flexible Compensation. “The delay kept the status quo for the most first part.”

Smaller employers may wind up sending employees to the government exchanges because of the “expense of it and the administrative burden of offering insurance,” says Ed O’Malley, president of the corporate client group for National Financial Partners, which advises companies on ACA compliance and health care, and manages private exchanges. “In industries, that are more competitive, it may be more difficult to not offer health insurance.”

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