Vinny, the "Affordable Care Act" has cost me $6000 to $8000 more a year in added health care costs. I did at one time cover five people, now I am down to four as my oldest has "aged" out of the system and now pays $180 a month under "Covered California". He can't go to the doctor because it does not cover anything, he can't go to the dentist because his dental coverage is worthless, pays essentially nothing. Now if he gets hit by a Prius in a crosswalk and gets multiple broken bones I think coverage kicks in after he spends $8000 to $12000 dollars, of which he does not have.... So you really have no idea what the rest of us, we, the non retired, non public sector workers, the middle class, pay. We pay for everybody else and now our coverage sucks, takes another $8000 out of my budget every year that I could be spending in the real economy, a vacation, a down payment on a car, etc. I suspect you are sitting at home, retired, on some kind of generous government worker retirement and medical insurance that you don't have to pay a dime for and really never had to do so....! From your view, everything is wonderful, everything is payed for, and you retired in your mid 50's from your state job. You'll make your $5000 to $6000 every month and life is good (as long as Calpers stays afloat). I really don't think you have any skin in this game so you are very willing to spend the money of others, others who are your age or older than you and still working in the private economy, the real economy. This is the reality many of us live in my friend, pay attention. Chris