Joe, don't take the risk!!!! Yaz, retirement for most Americans two generations, maybe one, will be a thing of the past. Part of the intent is to reduce bad debt from uninsured and then hopefully hold the inflationary trend in the future years to single digits instead of the double digits that most have experienced over the last few years. Health insurance was only about 5 to 7 years away from being totally removed by most employers because of how much it was going to cost. The other thing folks have to keep in mind is that insurers have no incentive for premiums to ever go down. They must have high single digit, at a minimum, premiums increases every year to feed the revenue growth the Wall Street demands. That is a major influence that has nothing to do with Obamacare or the ACA. The insurers have been able to refuse coverage for those who were really sick and thus pushed those people to federal and state plans, which taxpayers have had to fund. Now, the argument could be made that federal and state taxes needed to fund those programs will no longer be needed as much as in the past so taxes should be able to go down. But, of course, they won't because even government doesn't want to give up revenue. It's a vicious circle.