I just saw the proposed new rates for health insurance in ACA without government subsidy - the rates are insanely high and it's frankly not very good insurance for that price! So instead of debating who is right in the two parties on the debate on this one I want to ask a different question that I hope is non-partisan and gets us all thinking. WHY IS THE INSURANCE SO EXPENSIVE TO START WITH? I get that both parties have a POV about subsidies not here to debate who is right or wrong on that- my real issue is why are the plans so costly? It's absurd to think a family earning $75k will pay 1/3rd of their income on health insurance but it is also kind of absurd to say the US Government has to pay half of it forever to make it affordable and pad the pockets of an industry that clearly is too profitable. Shouldn't our government be working together to lower the cost of health care overall and that includes insurance so that we the people don't have to pay so much and the government doesn't have to subsidize so much? It just seems to me that something is horribly broken in this whole thing and as long as we all point fingers at each other and make it about the subsidy I worry we are missing the bigger picture - we need healthcare reform and we need it now. Am I missing something?