factor in. do you have a large duct snibl how much do you have to pay before the insurance starts picking up the cost? many consumers are getting increasingly frustrated. i now feel like i m having to pay for the people who didn t have coverage before. basically what i will have to do next year is take a $3,000 a year pay cut to have the exact same coverage that i ve had this year for my family. the law allows insurance companies to charge young people more compared to older people, forcing younger and healthier americans to subsidize the overall system. simply not in our best interest to sign up for something that takes an unfair share from us to give it to someone that has more. another source of cost confusion, cuts that will decrease medicare spending by an estimated $716 billion between 2013 and 2022. the funds have been used to offset the cost of the president s health care reforms, meaning they are not really savings in medicare. i asked president obama about that ba