For anyone in the US making more that $46,000/year, there is no downward pressure on insurance premiums (http://aspe.hhs.gov/...ty.cfm#thresholds). And, gee, what a great deal for somebody making $45,000/year: the most they can pay a Wall Street traded, private health insurer is $4,275/year (of which up to 20% will never be spent on the delivery of healthcare). What a sweetheart of a deal! No wonder you support it! And in the face of everybody's health insurance premiums soaring, too.