I had a heart attack four years ago and did not have health insurance. )Thanks to Obama Care, my premiums went from $600 to $1800 a month, so I canceled.) I was in hospital for four days and in intensive care for two. The service was amazing, a year later I got a bill for $13,000. With a cash discount, it was $8,000 plus 8000 points on my Amex, which was the best money I had ever spent.