On the contrary I'm on Medicare and yes it can be daunting task to get the best return for premium paid and selecting services that you either need or will need.  No no Harvard degree, this may have resulted in analysis paralysis...just common sense and basic cognitive skills.  Need to keep moving forward.  However, I still have a Family that I need to cover and having to deal with a 52% increase over the past couple of years can be challenging when you have to create revenue via managing retirement portfolio (I receive no tax revenue :) ) and cost cutting measures to make things palatable.  It's not an issue of not being able to afford...I just deplore selfish decision making and mismanagement.  Regardless, I am hopefully speaking for those like my son and his Family and all those who are caught in middle of ACA.  Done...