If an employee with existing health care insurance coverage and a retirement savings account should lose their job and be left with significant pre-existing bills to pay for rent or mortgage payment, home & car insurance, life insurance, long-term care insurance, property taxes or HOA fees, food for the family, the electric bill, the telephone, cable TV & internet bill, gasoline for the car, home & auto maintenance, and now medical bills, there is no money left in the family budget to pay for "Affordable Health Care" insurance unless the retirement saving are to be used for that purpose. The AHCA writers took into account pre-existing health problems, but totally forgot about pre-existing debt liabilities of workers who would be faced with purchasing health care insurance on top of everything else. This is not an imaginary problem, it is all too real for many thousands of families who have 'too much' in retirement savings to qualify for Medicaid and are expected to spend down their retirement savings in order to purchase affordable health care insurance. Then, with high premiums to face, there is also the specter of having to pay unusually high co-payments before insurance benefits kick in. Then, this year begins the IRS penalty of 'Shared Responsibility Payments' (tax?) for those with too many bills to pay already, making health insurance unaffordable and then penalizing the taxpayers because they could not afford to purchase 'ObamaCare'. The one percent tax penalty, to become higher next year, and the year after that, was written into the bill that needed to be read before it was passed, but was not. Reform is definitely called for with the "unaffordable" ACA. It may be good for some people, but it is very bad for others who cannot afford it and are faced with spending down their retirement savings to pay for it. When Social Security goes bust we will all be poor. Forget about the middle class...the ACA is ending that institution with unrealistic sharing of the wealth from haves to have-nots. Is this what We the People wanted or asked for? I think not. And all of those politicians who voted for the ACA...you could say that they didn't think either. Now we must think again.