You must be a younger person with a young wife and with no health issues. My wife and I are 60ish with one adult child. I have been freelancing for 15 years and

You must be a younger person with a young wife and with no health issues. My wife and I are 60ish with one adult child. I have been freelancing for 15 years and health insurance is our major expense. Over that time it reached a peak of $2150 per month. Obamacare and stepping down a plan level has reduced that to about $1500 per month.