The surprise will be there will be no insurance.
No surprise. Fact.
The spousal unit and I have long term health care premiums. Our carrier, who has been in the insurance biz for eons, notified us they are leaving the health care business. With out saying directly so, they did cite enough reasons to say "ObumaCare". Our premium was "sold".
It's still unclear if the new carrier's service will be as good or not.