If one looks at the statistics of how many people are self employed it makes the expectations of people affording private insurance really insurmountable. Add that to the fact that almost the entire Private sector now gets away with not offering Pensions, which results in hard working people paying for insurance & health care, rather than putting money away for their retirement. Its amazing that the USA still does not have universal coverage, but I suspect well benefitted and pensioned people in Congress & "civil servants" have little incentive to do anything about this as well. Melissa Crenshaw