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i guess the core of the problem I am trying to get to is.. (( as GenSeneca pointed out to me )) There used to be two forms of healthcare.. the everyday.. and the catastrophic OMG I just lost a limb insurance.. which kept its affordablity to nearly all americans out there... but legislation has changed it such to make the current insurance code read that the insurer now does EVERYTHING... if this was working before.. and obviously the change is making the 1 in all not work now.. what was the peice of legislation that made this change.. why was it brought up in the first place and whats the harm is returning back to the 2 form insurance coverage.. (( hate to ask you all this instead of actually giving answers.. but I am finding litterally nothing on the net ))