The Avalon spouter speaking about healthcare is misinformed. Insurance premiums are out of control because insurance company lobbyists spend the most money pandering to our government officials who are not interested in doing anything to control costs. How many people have lost their insurance under Obamacare? Personally, I pay over $1,000 per month with high deductibles for insurance for two people because neither of our employers offer healthcare insurance. Were you aware that 60 percent of bankruptcies in this country are due to medical costs? How can this be considered affordable?