Just giving info on what's happening to us and not my opinion on the government involvement in health care, we got our letter last week, we're both healthy and our premiums went up, we have a individual policy for just Terri and I since we don't work anymore, plus the deductible went up and the really bad thing is we have to find some kind of other insurance as of December 2014 because thanks to what's going on ours won't be available anymore.........................just a bad deal, I was happy, now I'm not, pretty simple for me.