Eliminating caps on lifetime health care insurance benefits truly is a blessing to Burke and many other people in his position. I feel for them, and I am happy for them. Unfortunately, the elimination of lifetime caps cannot be sustained, and that will affect everyone.

It has been my experience consulting with families seeking health insurance that many middle-to-high income families are not aware that they might be eligible. Even when they learn they are eligible, many prefer to buy private insurance to avoid the stigma of receiving government assistance.