I'm one of the non-union, non-state employed people here in Alaska. I make $16.75 p/hour at a desk job. My insurance is $164.98 p/month with a $2500.00 deductible p/year and a $35.00 co-pay for a regular office visit, So where did I miss out on those low deductibles & co-pays? I can't afford to go to the doctor. If I was dying I might schelp into the ER with all the other people "who dont pay for medical care" so everyone else can pay my expensive ER bill. I'd rather not have it, then give it to some fat cat just for the honor of carrying insurance that is essentially useless to me except for bp mediciation.