Most people who are eligible for COBRA don't take it. About 20 percent of eligible people use it. The other 80 percent buy on the individual market, or are uninsured.

You can't provide everything to everyone. The math doesn't work.

It doesn't last forever, and $600 or $700 a month is a lot to pay when someone has lost their income.

As long as the growth in health insurance premiums far outpaces the growth in wages, the erosion in the workplace will continue.

If you have even a mild health condition, your premium could be surcharged, or you could be denied coverage entirely. If you have a serious illness, rest assured that you're going to be denied. But if you have a mild condition, even something like hay fever, you may face limitations or even denial.

I think for the industry, it is also the most significant because it has the potential -- if litigation gets out of control -- to really increase costs a lot.