Reply #42: OK, nice and succinct is out! Your explanation was very helpful, though,

[gratefultobelib]

and this second post also clarifies further. But what a mess for some of our citizens. I am at a loss to try and understand why this has to be so complicated. Yes, I am handy with the Internet, but like you point out, many are not. I am so relieved not to have to be paying $429 monthly (starting this month! Medicare will be around $90) for my health insurance, that I forget about the many others who are struggling far worse.