consumers are frustrated with cost increases, difficulty of admin if federal market, uncertainty of subsidy, angry at credit fees during taxes, dismayed with conflicting advisement, upset that business' are making employees feel more secure with benefit offerings. however, if you have the right broker agent, they can guide and navigate thru these frustrations to comfort thru these difficult issues. knowledge is key and calm things down. there is positives that can out weigh the media negitivity.