Originally Posted by keysync

Robbie you just hit on a very important point.
My wife and I are 37 and 38 with two kids under 18.
We make really close to 50k a year right now because I just lost my good paying job a couple months ago.
So where we stand now we barely squeeze by with paying all of our bills.
And still have the ability to go out for a causual dinner here and there.
Now we have a $355 bill coming our way that we have to figure out how to pay.
We don't actually waste that much money a month so it's not really a matter of cutting back.
It's a matter of figuring out whether or not to sell our house or what.... We don't really know what we're going to do yet.
The way I see it is you either pay the money monthly and get insurance or pay it when you do your taxes and you don't get insurance.
Either way you're going to pay.

I don't know what the answer is. But My situation is the same as most of the people I know that don't have insurance currently.
They have no idea how they're going to suddenly add that kind of bill into their budget.