My sense is that technology in and of itself is not a lure, but if you don't have good technology, it's a problem.

I don't know what I am going to do with home heating bills going up.

Many folks, especially very healthy individuals, think they can give up health benefits for a brief period of time to save on expenses. What they don't realize is that any break in insurance can make it difficult, if not impossible, to resume health coverage.