Leo I'm not sure why the vitriol? Freedom Ben never said he didn't have insurance only that he would like to retain the right to choose - how does that make him an idiot?  The only good thing I see in the current insurance mess is the pre-existing condition issue.  For those of us who are self employed most have seen outrageous increases while also paying for those who qualify for free insurance or subsidies.  We pay $1833,00/ month for a family of three - it was around $1300 pre Obamacare.  Add to that those of us who work hard to stay fit and healthy are having to pay premiums based on those who are living very unhealthy lifestyles.  I would like to see incentives for healthy living within insurance programs.