The real problem is: why are Americans so sick? If we were a healthier nation, health insurance would not be such a necessity . Out of control medical costs is the by product of company's cashing in, without conscious, on a sick nation. Pharmaceutical corporations are the biggest culprits of this by developing drugs that not only are unaffordable to the average joe, they help one ailment only to cause several others down the road. Our food producers are also at fault by using GMO crops and livestock that are full of hormones. True health care is staying healthy not figuring out how to pay your sick bill.