Frances - I could not have said it better - I think my anger is so much at our system - yes - many friends who are drug reps - that industry is dirty and criminal. Everyone knows it. What we pay for drugs and care is beyond ridiculous in this country and it is getting worse. Our health insurance now costs more per month than our mortage....in the earlier years - it was about 1/4 of our mortage. It is out of control, ACA did not help us at all. In fact, as people warned me, it made it worse for us. I just don't know what to do and don't know what anyone who is the average Joe ( that's us - one retired school counselor - one teacher) - is going to make it in the future with health care expenses. I really don't know. Sorry to be negative - I know I should stay encouraging...but this system is robbing people blind and it is not necessary. BTW, if you are a pharm rep - I mean no disrespect -one of our best friends is one - as is his wife..they used to be teachers and got out and went into pharma - and I wonder if they were not the smart ones. At least they have some money. Sigh. sorry to vent.