Another hidden effect this health insurance problem has caused, not seen by many, is one involving 'Long Term Care Insurance' monthly rate increases. 

This cost, usually an extra burden on those either already retired, some on very limited income or those trying to plan ahead to avoid burden on family some years ahead. 

This is now approaching $1,000 per month as Long Term Care insurance rates are on an increase. And is directly in competition for one's limited food and shelter funds. Add this to the (un)afforable care act's demand for higher monthly tithe, while no cost caps were set.

For those with umbrella policies, you may also wish to check the portion covering accidents on your property; your part in healthcare for accident 'victim' may be higher than expected. 

The 'tailgating semi tractor trailer of life' is closer than the 'lying rear-view mirror' says. ;)