co-pays are so high with that lower premium plan. it would really limit my access to going to the doctor just because of the financial obligation, every office visit with incur. gretchen: i know so many people are nodding their head saying i know exactly what she s talking about because we ve all sort of faced these dilet me mas over the past ly let me mas did she problems over the last couple of years. is it true you re working two jobs to pay this? i work a full-time job, regular business hours. then i ve started a side business. what that business is allowing me to do is have the flexibility to work hours other than business hours and it also allows me to have the extra income because in a year where my income is going to stay the same and my taxes went up, finding an extra $83 a month for health coverage is hard for a single working woman. it s something that s very difficult to come up with. gretchen: yep.