The sad fact is that under Obama care millions of people who can't afford health insurance will be forced to buy it or pay a fine defined as a tax. I've checked out "low cost" plans at around 400-600 a month. They have 10,000 deductibles. After that it's a 60-40 copay. If you don't make lot of money that 400-600 a month is basically a gift to the insurance companies.