I sure remember that feeling man. Before I shut the business down after 12 years, I was paying $1400 per month for medical insurance that was basically useless for anything except a major illness / injury. It sure doesn't seem right that you have to pay such outrageous costs for something that you really can't afford to use anyway. I earn about a third what I used to bring in now working for the post office, but my medical cost is less than $150 AND it is actually useable. The best are teachers around here which get free medical for themselves...one hell of a benefit.