what I'm trying to say - is when you are a family on the fixed budget, with a bunch of kids and lots of expenses, like most of the working class , as well as middle class, any rhetoric is just that - rhetoric. You don't care about what portion of what you need to pay is anybody's profit, and whatever, you care about thousands of dollars you have to pay upfront, even before your insurance kicks in. That's about it. To insurance Co. your $300 is whatever idiotic term they use on paper to call it, to you - it's your $300 out of pocket, now. I simply find it embarrasing that in this country when you come to the hospital, the first question is: what is your insurance? - not "what can we do to help you" ( unless you are unconscious or bleeding all over the floor:-D )

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Happy New Year to all! Virtual hugs!