you are so right, James! I get insurance through my work, but to pay for my children was way too expensive. I had to shop around and find health insurance for them independent of me. For the three of them it is 232 bucks a month (this includes very few frills)...the lady I talked to told me that after the first of the year, it is going up at least 40%, and when it is required in 2014, it will be more! She said ObamaCare will drive up costs more than we can imagine! It is worrisome. Of course PDH probably gets medicaid, so no sweat of its back!