If our government wants to force working people, and non-working, to pay for insurance on an income that barely pays the bills and puts food on the table the premiums must fit their budgets. We have an extremely large over paid government employees crying because they can't live off $174K a year, yet everyday citizens making $27K (minimum wage) are again holding up the rest of the country through over priced premiums and high deductible they can not afford. Insurance is a necessary need, but if it is causing bankruptcy you should think of a different payment to disbursement plan that allows the working poor less struggle. Or maybe that's what you want, control citizens by affording their way of life, never allowing them to survive on their own money. When their constant needs are given its easier to get them to do what you want.