I have always felt that the insurance companies should be punished, not the individual. When I started looking at plans I was horrified. The plans with cheaper premiums covered only basics and most still had $1,000 - 2,000 deductibles. How is that affordable? Insurance companies have a pretty strong lock on our whole healthcare system. If they aren't proving coverage in certain locked then punish them not the folks who probably can't afford the high premiums and deductibles that they can charge bring the only game in town. We need to have Medicare for all and those that want to can buy additional insurance...at regulated prices. It's time to rein in the insurance companies and pharmaceutical companies not give them more tax cuts.