If it was $1200 a month with guaranteed-issue, that would at least be something a family could budget for. But it's not, right now. It's $1200 except your wife can't get coverage at all despite no major medical problems, or your daughter is excluded from virtually all care because of a hospital visit years ago.

Financially-savvy young entrepreneurs with families would obviously be better off with high-deductable plans and HSAs, which cost significantly less than $1200/year. But again, they can't do that, because private health insurance isn't guaranteed-issue.