Why do people look down on people who get state ins but pay a monthly premium and co-pays? DH is self employed and makes 32,000 per year. I am self employed and make 18,000 per year. We chose to use the state insurance in Illinois. We do not get FS but we do use Illinois health Connect for ins. We pay the state $80/mo as a premium and have a $10 copayment per visit.