One more result of not having a single-party payer, non-profit health care system.  Why should the monkey of insurance costs be placed on employers?  That is an exorbitant cost that is unworkable and, Bob's clinic, has a management group that is also greedy.  A single-party, non-profit system sure saves a lot of money by removing the option of greed.  And do remember, Stub, the CEO of United Health Group (William McGuire) whose board gave him a $1,600,000,000 (yes that is 1.6 billion dollar) severance package!  Now that is world class greed!  P.S.  I'm sorry to hear that Ann was a victim of our present system and all the ways that greed infects it (brought to you by our for sale legislators  who are greedy)..