yes the basic cost of medical care is exhorbitant, that is the real problem. I don’t know what I would do if I didn’t have coverage from work or if I lose coverage between now and when I turn 65.Definitely can’t afford to pay out of pocket as an individual these days. I guess the ACA requires coverage, does anybody know if there is Mexican insurance that is cheaper, since we live so close to the border? That would still leave the problem of emergency room visits and they are the worst as far as costs.