It is worse than that in Mass...my son tried to get this insurance and could not afford it, he makes about 9.00/hr,,,so he is penalized to the tune of 300.00-400.00 per year, but illegals get it free, and his taxes pay for it....he has no insurance....what is wrong with this picture!!!! Mass is the pits, glad to be out of there....they also make it impossible for companies to function...the requirements that they saddle them with are terrible....