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Healthcare costs have been a hot news topic and a political point of interest for many years now. As I write this, the press will be gathering soon in Washington D.C. to witness the Supreme Court hear testimony to determine if Obamacare is constitutional. And on both sides of our presidential election, the debate rages on over costs and whether some parts of the new legislation are too coercive to religious institutions. But what does it all mean for seniors and for families?