Considering the total of my Health Care costs were under $3,000 for a family of 4 in 2008 and have exploded to $14,000+ last year I am thinking insurance won't be affordable much longer. Premiums are up from about $250 a month in 2008 to $400. That's only because we upped our deductible. Now the first $5,000 is out of pocket. I used to have $10 copays, and my out of pocket was almost non existent. To pay $14,000 in expenses, you have to earn about $19,000. I am loving all this change. It's awesome.