My girlfriend is basically uninsurable...she works in healthcare and her profession often does not offer employer based health insurance plans in my state since it is not required for businesses under 25 employees. Due to her past injury, a basic plan on the exchange is upwards of $1000/month, and off the exchange isn't even offered plans. That isnt in her budget whatsoever. Short term plans are not even available to people in her age bracket in my state. Ill gladly play more tax if it means people like her dont have to consider bankruptcy and losing homes when needing necessary medical care. I realize its easy to say you think the insurance system is great when your employer covers 80% or more of your premium, but that isnt the case for many Americans.