Just out of curiosity, are you covered under the ACA? If so, what was your "old way?" I've had the same health insurance for over 30 years. And every year the price has gone up along with the deductible. But since the ACA, the price increase has been lower. I'm really interested in what great plan you had and don't seem to have anymore. And classifying everyone on Obamacare as 'dead beats" is really broad. My oldest son works full time and is covered under the ACA. Is he one of your "dead beats?" Or should he take your advice and not have any health insurance and just wait until something major happens and end up in the ER and then end up in bankruptcy?