If my husband and I stay married I'm expected to pay 405 a month. That's one of my paychecks for two weeks. We're going to have to get a divorce and then it will still be 200 a month. There's no way that I'm going to be able to afford this. It's crazy, it will be better for me to file married filing separately then get divorced take a hit from the IRS until next year. By then I'll be able to get an exception to having to pay the fine for not getting it.