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That is totally incorrect. I remember the days before people were forced to own auto insurance. You could easily have gotten full coverage on a car for $50 a month. After states forced liability coverage on drivers, it is difficult to get just liability (which was a small percentage of full coverage) for $50.The biggest problem with Mr. Obama is he doesn't know anything about insurance.I studied insurance.If every one is forced to have insurance the premiums would be much lower.Insurance is based on volume.Now, as far as state programs.There are already charity care programs for low income people for hospitaliztion.John F Kennedy put this program in place in the 1960's.It doesn't cover medicine from a pharmacy, but does include hospitalization.I just wish Mr. Obama would hire someone that knows something about insurance.He names this after himself and doesn,t know anything about insurance!