That's ignoring ACA subsidies, which you're eligible for if you make less than 4x the federal poverty level. For a family of 4, if you make under $98K per year

That's ignoring ACA subsidies, which you're eligible for if you make less than 4x the federal poverty level. For a family of 4, if you make under $98K per year, you're eligible for a subsidy so that you will not pay more than 9.5% of your income in premiums. That can still be a large burden, but it's a far cry from half or more. EDIT: I re-read your comment, and yes, in the context of the healthcare debate, where the subsidies could potentially go away, this is quite concerning.