@BobKamman I agree Bob. I was just talking on phone with client. I asked if she was thinking of retirement. She is a nurse getting close to social security age. She said she wants to keep working because of high cost of health insurance. I told her that she should be able to get health insurance through Pa "obamacare", called Pennie. She thought that was only for low income people. I told her low income people get subsidy (advance payment), but she should be able to pick and choose the plan she wanted and the monthly fee even without subsidy may be quite reasonable.