IT'S GOING TO BE HARD ON PEOPLE TO MAKE PAYMENTS, IT WILL PREVENT SOME PEOPLE FROM GOING TO THE DOCTOR BECAUSE THEY CAN'T AFFORD THE DOCTOR'S FEE, YOU HAVE TO PAY THE WHOLE AMOUNT AND WHEN YOU GO FOR A DOCTOR VISIT 105 DOLLARS AND HE WANTS YOU TO COME EVERY THREE MONTHS THAT'S A LOT OF MONEY. --female, 79, New Jersey