The problem is inflated costs of everything. I am guessing its from insurance / drug companies, but not sure. I work in a nursing home and it costs almost $300 a day just to have a room. That does not include supplies, medicine, phone, etc etc. Only thing included is TV , meals, and basic care. Just to go to the ER with insurance now a days is basically $100 co-pay right from the start. Health insurance is a joke right now. If you opt for the high deductible plans there is no way the avg person can pay that. If you can barely afford insurance how do they expect you to fork out $1500-5000 out of pocket. You are wasting money on a premium then still have to pay a ridiculous amount out of pocket. When I first started at my job about 9 yrs ago the insurance was reasonable. I had no deductible ER visits were only $50, and basically everything else was covered. Now there is no such thing as $0 deductible the lowest is $500. I have no insurance. If i did I would lose our (bonus credit $300 / month and be losing $137 / month for the plan). The family plan is absurd. I would lose the $300/month and be paying over $1200 with a $1000 deductible. Who the F can afford that. That is not counting dental / vision and what not.....The high deductible plan is a bit better and I would just lose the $300 / month w/ a $1300 deductible. Family plan is $800/ month + the $300/month I would lose w/ a $2600 deductible. Some kind of major overhaul needs done ASAP.