I pay cash for most of my medical needs & I find the doctor bills me less than he billed my insurance for the same services. Certainly insurance for doctors is prohibitive. I would like to see medical malpractice lawsuits eliminated, more doctors licensed every year, and other free market reforms. Perhaps then I can afford health insurance. Obamacare was tacked onto a system already made expensive because of litigation. It did not make health care more affordable, nor will it ever until major market reforms are made. I’ll bet at that point plain old health care will be affordable to even the poorest members of our country.