The Phase I won't get it right, it just sets the stage for it. Phase 2 and Phase 3 (repealing McCarran-Ferguson) will be what reduces premium costs through competition. Obamacare is highway robbery. There is just no explanation or justification for the hikes in your premiums and such drastic cuts in service. Government needs to get out of this one as much as possible. For you to pay $1,000 a month in premiums with huge deductibles and co-pays while 75 million people on Medicaid get 100% and their kids get dental too and pay nothing, I'm sorry, that's just wrong.