Two years prior to the start of the Affordable Care Act, my health insurance premiums were raised by 40% each year for no reason, 20% each year. I was told by the insurance representative that it had nothing to do with my personal policy but instead that the industry was readying itself for the approaching ACA. My deductible also increased from 1000 to 5000 and finally to 10,000 dollars. My husband, who works part-time and will be 60 this year, is unable to afford insurance. So the first year, he paid the penalty, which was much less than $6000.00 a year. This year, he has signed on with a Christian Co-op feeling he would rather give his money to people like himself who struggle to make ends meet and can’t afford insurance, knowing he is helping others this way than to the government. I feel this is a TAX burden added to the middle class. And it’s taxation without representation. When will we wake up and see this isn’t working. I’m guessing you won’t publish this because it doesn’t support your agenda but one can only hope that those of us whom this law has hurt will be heard.