When oil prices plummet, there are winners and there are losers. More on that. Plus, it’s a classic good news/bad news story. Post Obamacare, employer health insurance premiums have declined in a majority of states, according to new figures from the Commonwealth Fund. That’s the good news. The bad news? Because wages are growing so slowly, healthcare cost is still taking up a bigger part of household budgets. And speaking of health care, we’ll talk about the benefits of opening up our borders to foreign doctors.