YES! Our healthcare system has been broken for many years and it seems that no one cares about this problem. That's why I don't blame nannies if they ask for money under the table. Health insurance subsidy should be revised in Congress but I don't think that democrats will do anything regarding healthcare.
By the way, my last nanny admitted that she has some problems with filling her tax returns and that's why she wants to be paid under the table. She doesn't really understand all the nuances of finances and has to use
a tool for calculating tax returns which is pretty useful for people like her.