We are fortunate enough to live in a state with a state-sponsored plan, and if it were not for this, we would have no insurance due to preexisting conditions. And this, despite the fact that those conditions do not create a lot of extra costs, although they create a lot of disability. Our daughter, now 20 and in college, needs to be on our plan and will need to be in the future, and she will need access to coverage as she enters the adult world. She has multiple neurological/psychiatric disabilites that make her ineligible for insurance coverage, and if she were to obtain coverage through an employer, would be unequally covered with so-called "mental health" parity a distant promise still. We are currently doing without any kind of psychotherapy because the costs are prohibitive, even with the partial coverage, and are paying out of pocket out of network for someone qualified in both neurology and psychiatry. I have severe chronic fatigue and chronic myofacial pain, and should probably have access to ongoing low-cost alternative care, such as acupuncture, but these kinds of treatment are also lacking coverage in the present system, even though they represent potentially huge cost savings.