Today's letter is O . A forewarning: I'm in an ornery and outraged mood. So, if you'd rather check out other "O" posts, I understand completely. Please click here to head over to Alphabe-Thursday, hosted by Jenny Matlock at Off on My Tanget. The husband and I don't have health insurance. We're self-employed writers in our late 50s, so the cost of monthly health insurance payments would truly put us into deep debt. Fortunately for the past 10 years, we have been able to afford our medical bills and prescriptions, which comes to about a third of what it would be to pay for health insurance. Ornery, the first, about which I am. Some people think we're taking a big risk by not having health insurance. What if, heaven forbid, one of us needs to go to the hospital? Ornery, the second, about which I am. A few weeks ago, the husband and I spent five hours in the emergency department at our local hospital. Nothing major, as some of you, dear readers, know . A