I dont mean to sound cold but if your job is making you pay 1200 bucks a month for insurance I would look for a better job. My insurance costs have went up over the years but I live in the same state as you and they dont cost anywhere near that... my son just finished high school and has great insurance at his job... look around it ain"t as bad as they tell you on t.v.... as far as your rights you have the right to pursue happiness but it ain"t a given