I worked a lifetime to receive good health benefits in retirement, Now Medicare is forced on me, and they (government) dictates what coverage I have, which is less. Like education lending, this whole thing seems to me a Ponzi scheme which takes too long to list here. In essence IMHO, businesses have been let off the insurance benefit hook. Good for them and a terror for the taxpayer and private citizen. And you all are complicit or fools for letting this evolve to the mess it is.