You're right. That's not bad. However, part of the problem is all of the companies that don't pay out benefits for their employees. Or the increasing amount of companies hiring 'temp workers' for years on end so they don't have to pay out benefits (sick leave, vacation, maternity leave, medical insurance, etc). For those millions of people that have to buy medical aid (or now they will be severely fined, thanks to 'Obamacare') not subsidized by their employers, the prices are not affordable (again, imagine you had to pay $1150 for your family instead of $150). My understanding is that there are some further subsidies now to help people get reduced medical insurance if they don't have the means....however, the system is hard to navigate.