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So they have to spend approximately $2000 a month before the insurance pays anything. Some insurance. Unless any of them are really sick and require a lot of care, they might as well not have insurance at those rates.

The reasons you are giving for NOT enrolling are the exact same reasons that have always been used IN FAVOR OF signing up for catastrophic plans.

And this is relevant for what reason?

It sounds like this family's coverage is for their routine care (and probably catastrophic with a cap--we don't know) so they are out of pocket quite a bit before the insurance even kicks in. From the policies I've had in the past for my family, that's very expensive and nothing is covered until they reach the deductible. We used to pay small co-pays with no annual deductible to meet, for visits to the doctor and everything else was covered by the insurance. Not so here.

By any measure, ObamaCare plans suck big time. And by suck, I mean, not only do they provide bad coverage, but the money is "sucked" out of your wallet.

Having purchased catastrophic health insurance plans a few different times, I walked into the plan knowing that I owed $5,000 for my deductible.

I also walked into the plan knowing I was saving about $2,000 annually, and most of my medical care would be paid for in cash.

Made me very aware of the actual cost of treatment and services.

Now we see plans that I could only describe as “Stupid Catastrophic” being required for families who should NEVER be on one of these plans. I mean, $12,000 annual deductible for a family of 4? Most of these folks won't have any savings to pay the deductibles, nor will they have a fair chance to build up those savings with the cost of these plans eating up their income.

The next step will be an explosion of medical bankruptcies choking our courts, and another massive fundraising effort on the part of Democrats to blame the insurance companies.

When we all know it was the Democrat politicians that created the hypocritical crony plans in the first place.