It's a vicious circle Mr. Manning. Health insurance costs are directly related to healthcare costs. Remember at election time that Lisa Murkowski has defended the provision of Medicare Part D that forbids the federal government from negotiating the price so drugs furnished by Medicare. Also that law forbids anyone reimporting less expensive drugs from Canada or elsewhere that have been subsidized by those governments. How in the name of dog can anyone think a policy that forbids the government from negotiating the price of anything let alone drugs that Americans need be a good policy to hang your hat on? The VA negotiates but Medicare cannot? The mind reels from the insanity of the greed and influence of campaign contributions.