Why do I say so? Well, just look at the two examples for family income below.

"If all this sounds too good to be true, remember that nothing in life is free and change isn't easy.

Starting Jan. 1, 2014, when coverage takes effect in the exchanges, virtually everyone in the country will be required by law to have health insurance or face fines. The mandate is meant to get everybody paying into the insurance pool.

Obama's law is called the Affordable Care Act, but some people in the new markets might experience sticker shock over their premiums. Smokers will face a financial penalty. Younger, well-to-do people who haven't seen the need for health insurance may not be eligible for income-based assistance with their premiums.

Many people, even if they get government help, will find that health insurance still doesn't come cheaply. Monthly premiums will be less than the mortgage or rent, but maybe more than a car loan. The coverage, however, will be more robust than most individual plans currently sold.

Consider a hypothetical family of four making USD60,000 and headed by a 40-year-old. They'll be eligible for a government tax credit of USD7,193 toward their annual premium of USD12,130. But they'd still have to pay USD4,937, about 8 percent of their income, or about USD410 a month.

A lower-income family would get a better deal from the government's sliding-scale subsidies.

Consider a similar four-person family making USD35,000. They'd get a USD10,742 tax credit toward the USD12,130 annual premium. They'd have to pay USD1,388, about 4 percent of their income, or about USD115 a month.

The figures come from the nonpartisan Kaiser Family Foundation's online Health Reform Subsidy Calculator. But while the government assistance is called a tax credit and computed through the income tax system, the money doesn't come to you in a refund. It goes directly to insurers."

From:

http://news.yahoo.com/consumer-alert-health-care-markets-way-131508179--finance.html

Middle Class in the US:

http://en.wikipedia.org/wiki/American_middle_class