Last time I did the math, this current bill may very well ruin my husband and I. Our through work insurance is 700 a month. BCBS wanted to charge us over 800 a month... eight years ago. I can't imagine with it would be now, if employers no longer cover part of the cost. And at that "low" cost, the government will not help pay for it, even though 700 a month at our income bracket is crippling. The fine is less damaging then the insurance.