I was trying to stay out of this but I just cannot let the 'they buy coffee' statement go buy without some reality. Even if a parent buys a starbucks coffee every week day, @ $4 a coffee (is that how much they are? I have no idea) that's only $80 a month. If they actually buy one every single day of the month that's $120. That doesn't even come close to the $400 a month it takes to get the insurance that dagwood would have to pay.
It's simply not true to assume that any kind of splurge makes up for the money it requires to pay for health insurance. It's not an option for many people.