What the above formula is for? A mathematical formula known as Euler's formula? The formula known as The Drake equation? Or an actuarial formula used in risk analysis for insurance premiums? The reason I ask is we all know Obama is one of the smartest Presidents right? So wouldn't it though be a correct assumption that Obama recognizes that experts in various fields might have more insight to the costs of health care and just maybe they should have been consulted before Obamacare was assembled? Especially now that this study has been released: A nationwide study conducted by Milliman Inc. for the Society of Actuaries found that nationwide the premiums in the individual market would increase from 8 to 37 percent in 2014 with a cumulative increase of as much as 122 percent between 2013 and 2017!!! Download it from the Society of Actuaries the study: SOA - Society of Actuaries - Design and Implementation Considerations of ACA Risk Mitigation Programs If Obama truly was concerned about the nation's health WHY would he ignore the experts that are telling him health insurance premiums will increase 122% over the next 4 years? Why would Obama if he is truly a "smart" person see that Obamacare will destroy health care?