[mreid]

Your financial advisor is wise to not advise you about healthcare tomorrow based on today. Most on this board will see significant changes to their health plans in the next four years. Anyone on a company plan will see huge changes regardless of who is in the big chair. The excise tax (luxury tax) of 40% on any plan above what the government feels is "fair for all" in 2018 will cause most companies to eliminate their company plan and move all to an exchange. Some may offer an HSA with a match to help, but all will see cost increases. I can't see how any pre-65 retiree employer plans will survive at all (there is no law or obligation to continue these, regardless of what any may think). No matter what happens, costs will spiral up. Remember, you have to add the total of all three cost components: premium paid monthly plus co-pay amounts at point of service plus out of pocket for procedures not covered or maximums exceeded. Do not be fooled by low premiums unless you have a designed catastrophic plan where you pay low expecting not to get ill and then pay a lot when you do. Don't let the smoke and mirrors fool you.

Also, in support of my doctor friends here, please don't think any of these fees are actually going to doctors. They go to insurance companies, malpractice attorneys, record keeping back office staff, and the government.