This was an interesting read. I consider myself fortunate in that my employer provides great insurance and pays roughly 75% of the premium. As you get older, this benefit increases in importance. I am almost 60 and am currently recovering from the H1N1 flu virus. It is admittedly not as easy to bounce back compared to say 40 years ago. One of the bigger battles was to keep pneumonia from setting in. I coordinate everything through my general practitioner as a matter of personal choice. All of the aforementioned stated, I can only imagine the battle a number of folks are fighting out there with this strain of flu who have no insurance. I feel for them as I was there one time myself in my earlier years. Unfortunately, while the ACA was well intentioned, its development and passage were reckless, and regardless of the intent - the result remains the same .... a disaster.