not small talk but nowhere else

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complicated, isn't it? How many Americans can understand it? If the AMA is getting into it, I cannot put a lot of faith in it anyhow. We do have a real mess with health insurance and most policies are very confusing for the average person. I went through many inspections of the Medicare Part D programs and figured it all out - but am not satisfied with how it works. Actually costs me more to be in a plan than if I were not and paid full price for the meds instead. BUT if you don't join and later need to join, you are penalized financially! I delayed for a year and was penalized. Does that make sense.........
 
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