I wonder what world you live in. I can tell you from personal experience that the cost of insurance is going up, up, and away. I had insurance with my retirement but it has been cancelled because Obamacare is forcing prices up and AT&T will not continue it. They will now give me a fixed amount and let me buy my own insurance. BTW, that money can only be used to pay for insurance or medical expenses. Any that I do not use will go back to AT&T. When government steps in, it ALWAYS screws things up.
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