For what it's worth . . . my late father-in-law was a career solider and sole breadwinner. One of his daughters, now 43, is Downs Syndrome. They get by on his pension and medical benefits plus some social security and life insurance money. But, their full-time care giver, my sister-in-law, has no other job and no healthcare. She’s 60.
The Affordable Healthcare Act will make it possible for her to get medical insurance and to continue providing care for my mother-in-law and the dependent sister. Without it, my wife and I would be the only fallback, and we are already contributing quite a bit.