She'd, well, you know what...a brick. At $12,700, who needs insurance? I mean, what's the point of having this "insurance"? There is no point in having insurance. You will still go to the ER and if it's not too bad, then pay over time. If it's bad we'll have to decide if we will seek treatment by ,1) spending down our assets and go on Medicaid or 2) just go away. I think that's what the government wants anyhow. Sick people to just die, that's all. (Unless you're a senator, congressman or president, that is.)