Did anyone do the math here? If a family making 100K pays 12K for insurance, and a family making 94K pays 6K for insurance, that is the exact same amount at the end of the year. Wonder how long they had to search to find this clean of an example. Seems the best solution for the family is to either ask for a raise (all take home profit) or take a sabbatical every year (more time to enjoy life).