Depends on the Federal requirements. Something that's lost in this whole conversation is the idea of insurance. I have auto insurance because I could be hit. I've gone 15 years without being hit, at least not enough to make a claim. I keep it just in case.

Going to the doctor for an annual physical is not something that should be insured. It's a known cost. You, as the individual, should pay that out of pocket, or get another extended coverage policy or rider to covert that. It's like my auto insurance paying for oil changes.

As a result, our costs are too high.