I also must say that very few jobs, even full time jobs offer insurance anymore. This is why I haven't sacrificed my wife staying home with the kids to cut down on day care costs, so she can go work somewhere that doesn't offer benefits. I remember talking to a local mailman, and he told me that you have to work for the postal service for several years before they offer you insurance. And that's a government job! This is what makes something like the Affordable Care Act so appealing to so many. There are many questions about it, but if it could be implemented the way the say they intend, maybe it will help some folks.