Have you ever been afraid to look up and see what's coming....

well that describes the average American with their small retirement account, pocket change and fantasy that they will receive healthcare when they need it.  More than 20 years ago I worked for a hospital that foreclosed on one family after another to pay for the medical bills of a sick family member.  Of course, as long as it doesn’t happen to you, who cares….  but it will happen to you or a family member… then you will care – but no one else will -- and you will live the nightmare you have let others to live.