According to my brother,

...insurance companies don't like the ACA. That is why United Health Care, a huge company, has stated it's intent to withdraw from the ACA market in 2017. No. The problem is that Employer group plans are not required to provide the minimum levels of coverage mandated by the ACA. This situation is not acceptable to the government and so the law allows for a "phasing in" period during the term of which all Employers will eventually be brought...

In an effort to provide useful information about health insurance in response to Auntie Pam's post, I asked an agent to explain some of the points she brought up:

I can say, that while it hasn't been overly successful it hasn't been a failure. About 70% of my clients have saved @30% on premium. About 30% are paying more than they were...but their plans are better.
During Open Enrollment Period (11/01-3/31) no one can be denied coverage & pre-existing conditions don't...

...or possibly, finally? You'll have to take my word for it, though, since there are no pictures. I turned it as part of a promotion at the local Woodcraft store, and it was given away almost as soon as it was assembled. I think it's only the third or fourth pen I've turned in the four years since Mrs. Harry passed away. I was inordinately pleased to find I hadn't forgotten how. Depression is a bitch, but I think I'm starting to turn a corner. Remains to be seen if it's the corner, but it's...

As a by-product of my continuing search for free food, I'm being kept busy with projects at the restaurant. I am presently finishing this up...it's a replacement door between the kitchen and the dining area. The original was installed in 1977 when the restaurant was built, but was in a sad state of disrepair. It needed constant adjustments to keep it from dragging on the floor. Hopefully, this new one will last quite awhile.

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I posted a progress picture a couple of weeks ago. The hutch is now finished and installed, and appears to be doing yeoman service...