Oh and I think Biden may reverse course on Obamacare and the individual mandate (that you must have health insurance or be subject to a fine) may return. Definitely there will be some tweaking of Obamacare, not exactly sure what the details will be- will be watching carefully as availability of reasonably-priced health insurance is a factor in whether or not I could live in the US again...(before age 65 when Medicare kicks in, leaving me about 8 more years...).