"In response to Mr. Sagataw's letter of Nov. 15. It's great that it only took Mr. Sagataw 30 minutes to sign up for the Affordable Care Act. He also stated that he is fully insured and does not have to pay a premium. Let me assure you, Mr. Sagataw, you do have a premium for your insurance and who do you think is paying it? I can guarantee you it is not our President. Think about it!"