Agirl:  You realize, of course, that the number one cause of bankruptcy is huge medical bills.  You speak of increased "disposable" income....don't be silly.  70% of American workers toil in the service industry and live at or near the poverty level.  Government subsidized health insurance (such as the ACA...that's Obamacare) provides that.  Is it perfect? Of course it isn't.  Could Congress, both Democrats AND Republicans. work together to correct the deficiencies and make it a better system?  Of course they could.  Will the GOP Congresspersons do that?  Up to now the answer is a resounding "NO!"  That's truly a shame for all Americans.  Gary Crum