Unless you are very rich or have insurance, you are in real trouble today. I just finished having a stem cell transplant evaluation. Fortunately, the tests show I have to be monitored, but, at least, I do not have to have a transplant. I don't know what the total costs will be, but they already well exceed $20,000. On top of that I will have continued monitoring for the rest of my life. How can someone do this without insurance? We have a number of people on staff and in plant who are hard working good people. Our school pays the premium for the employee but not the family. Many of these people cannot afford to pay for their family. What happens if disaster hits them? What as a society do we do? What do the people who time and again say this is a Christian nation do?