Two people with health problems would like to get married but they can't afford it because of Obamacare. Both earn $21,000/year which qualifies them to get a good health insurance plan on healthcare.gov for less than $50/month each due to their low income. However, if they get married, they would have to pay $1,600/month (almost $20,000/year) because their combined income of $42,000/year would cause them to lose tax credits they received when they applied individually. Under Obamacare rules, if they lived together as husband and wife, but didn't get married, they could keep their existing plans and pay less than $100/month combined. Since Obamacare makes marriage unaffordable, is there anything wrong with them living together as husband and wife without getting married?