Family advocates say help is on the way for Oregon families strapped by the escalating cost of health care. A couple of benefits of the Afford Health Care Act will help, but not until 2014. First, a family of four earning less than $89,000 will get a tax credit to help pay for health insurance premiums. They will also get another tax credit for out of pocket expenses on a sliding scale. That same family would have to spend $11,900 a year to get the second tax break. “These families are terribly vulnerable to financial devastation caused by unexpected illness or injuries, and they commonly face only bad alternatives such as massive credit card debt or foreclosure.” Ron Pollock is Executive Director of Families USA, a national families advocate group. This cap won't go into effect until 2014, but he says estimates are 243,000 Oregonians will be helped. Pollock says thousands of State residents are not getting health care they need because they can't afford insurance or the cost of health care.