I work for a small non-profit which has sustained 7 years of budget cuts since I have worked there. We have had to switch health insurance providers 3 times in the past ten years in order to keep premiums from sky rocketing. We get paid less and less for services we provide and yet keep paying more and more for needed health insurance. Fortunately, the doctors in both networks have been good, but it makes things difficult for people who must switch physicians while in the middle of treatment. It takes time to line up new appointments and then there is the added headache of making sure the new doctor has all the needed information. My husband has a pre-existing condition now. If I were to lose my job I don't know what we would do. My co-workers wife is under a different insurance and was just denied radiation treatment for her cancer by her insurance provider. It's a procedure which has been effective and approved by the FDA for 30 years and the insurer deemed it "experimental". There is your "death panel"!