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My husband and I retired early and have been paying for our own health insurance, so I'm well aware of the costs. For example, our policy costs $1260 per month. My younger neighbors with a husband and two kids pays $1000 per month for a similar policy. This happens to be the most economical policy I could find in the Seattle area. Our policy has a $1500 yearly deductible (per person). After we pay the first $1500 of costs, the policy starts paying 70% of our health care bills. My husband and I have been quite healthy, so our yearly expenses rarely exceed $1500. This means we're paying for almost all our own health care costs plus we're paying $1260 per month just in case of an emergency. I can't imagine that the government could subsidize this type of cost. Also, how can a poor family afford that $1500 per person plus 30% of the costs over $1500? My plan is a "full coverage" plan. A catastrophic plan would have much less coverage. So even if the government subsidized the cheaper catastrophic plans for poor people, the poor would have even less coverage.