My son, his wife and baby have health insurance only because he had to go to a private company and buy his own policy at almost 3K a year. He works full time and goes to college full time. His employer is a medium sized company and the insurance they offer him is more expensive and has worse benefits that what he has to buy privately. Their private policy does not cover pregnancy or birth control of any kind so they have to pay for that on top of the 3K. It is very expensive to cover your family. A little help would be nice, like making it possible for companies to give employees better rates than they can get privately. They do not make much money with both working full time. Most people in his situation go without or use the medicaid system. They are healthy and in their 20's.