Alan, I didn't know that. I thought the idea was just to provide everyone with SOME sort of coverage, rather than having a large amount of uninsured. I seem to fall somewhere in the middle. Our household income is too high for us to get any kind of public "relief" and it's too low for me to comfortably afford the premiums. I'm lucky that my employer does offer some sort of insurance. But it's quite clear from the large leap in price that I can see on the forms at work that they do NOT want to pay for family members. They're more than happy to just cover the employee--but add a family member (or two or three) and the price skyrockets.