Phil did a masterful job speaking on the pros and cons of the Affordable Care Act. What could have a political firestorm inside Roma's last night, was anything but. Phil was calm and composed, taking no sides on what was good or bad with Obamacare. In short, he came prepared with factual information that would let our group make up their own minds about the various benefits this law provides. He covered mandated coverages, subsidies, underwriting aspects which are none except for smokers, the open enrollment periods and the penalties for non ACA individuals: $95 or 1% of taxable income in 2014, $325 or 2% in 2015 and $695 or 2.5% in 2016.