I think I am spoiled, my insurance is covered by my union. I don't want to hijack this tread and start a union bashing one. But, Insurance has been fine, I have had to battle at times, but all in all it works. I remember when I was younger never meeting my deductible and being told that is called being healthy. Makes sense now, insurance should save you from catastrophic medical expenses, the day in day out grind in my opinion not so much.I think everyone should have insurance available, but like all things it should be earned. The true bummer is looking forward to retirement the largest monthly expense will be medical insurance.... just when I will need it the most... Better start planning yall