With the escalating costs of health care, escalating insurance premiums and stagnant wages, it goes without saying that more and more individuals will find themselves outpriced of the health insurance market. When the number becomes high enough (30% to 40%) through necessity changes will be made in the healthcare/health insurance industry. That day is coming and change will occur. Unfortunately I think that it will take upwards of 30% of the population outpriced out of the health insurance market before this occurs, but that day is coming, believe me.