This is an estimate. Used to illustrate an example. The use of the word average should be enough of a clue to tell you that this isn't some sort of hard cap like the CNS article implies.
I've been following Obamacare closely because it could really have an effect on my bottom line. I see what you're saying, that this COULD be just an example used to illustrate a point. The problem is we have so little information as to the actual regulations effecting the cost that it's not absurd to look at this and try to get a feel for where they are going.
We don't know what is required of us. We do know that the IRS will be the enforcer of the regs and the aggregator of all the information. So when they say the "average" premium will be 20k, with the paltry amount of information we have concerning the regs, it's reasonable to speculate on that number.
I think you're off base here.