There's another, larger group, like me, that has similar problems.

We are the people who get insurance through our companies which are also high-deductible and high-cost.

My company does subsidize our health insurance, but, you know, it's funny, I still end up paying nearly 500 a month and still have a $6,800 a year deductible for both me and my spouse.  We don't have the option to even shop around on the exchanges, since, there is nothing for 1000 (okay, it's only $489 per period 2x per month, and that's for the cheapest plan) a month or less and no subsidies and no choice other than to go without.

I'm sorry, but, I simply can't afford that and still be able to pay our ultra high rents, our bills, keep ourselves fed and try to sock something away for savings.

The same is true across my company.  We have less than a 1/3rd of our folks that actually purchase the insurance, and they're the highly paid executives or the folks with a major bread-winner spouse.

It's just sad.