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The odds of financial success in retirement for the typical American household are less than ten percent.

This is based on the financial profile of an American household that would be considered statistically average.  We developed the financial profile of an average American retiree in a previous article (click here to read).  

The summary of the financial profile of our hypothetical retiree--referred to as William--is as follows:

• William needs to generate $40,038 per year in after tax
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The Obama health reform legislation has the potential to create some serious adverse selection issues for health insurance companies.

Stated differently, there really does not seem to be a rational basis for purchasing an individual health insurance product under Obamacare.