Had a baby at a young age. Worked full time to support my child. Small business provided no health coverage. At the time there was no Children's Insurance Plans...she got a kidney infection and I was put $36,000.00 in debt at age 19. My husband also works full time. Because we were in debt and lost our credit rating we couldn't afford to pay out of pocket for a dentist and could not get a loan. His teeth have rotted and now we can't afford to have them pulled and get dentures even with insurance (over 10K if you have dental insurance). No one will hire a guy with rotten teeth; so he cannot get a second job to save up for the operation. By the way....people die from abcessed teeth and he's been hospitalized for infections. Not even the public health clinics can help him because he works and pays taxes.