About your premiums on an Obamacare plan, I looked at what it will cost just the two of us if we lose our current insurance, and it is more than a mortgage payment every month. There is no way we will be able to afford that anymore than we could afford COBRA in past years (always had to put it on credit cards when the kids were growing up and we couldn't leave them uninsured!). And like you pointed out, the plans have less generous deductibles than people used to have in our plans. A bronze plan deductible is just too high. COBRA is a joke for the unemployed and what is currently available for the middle-income in the individual plans market is too. Middle-income families cannot afford those premiums. After paying the premiums there is no money for actual care, which means insurance companies get the premiums, but again, are not having to provide the coverage paid for. I agree with you on that.