Guys, if you're buying your own, why not just roll with what the dumbass' gave you? Pay a "fine" that's pennies on the dollar to coverage, then if you get sick, buy coverage.
That was going to be my Plan A.
Now, I think that I might be going with this solution (a health sharing scheme) as my Plan A. Plan B would then be, if for some reason plan A did not work out...such as: It did not cover something that I really, really needed to be covered...then I could purchase insurance (after the house was already on fire) and get the pre-existing condition taken care of. In the meantime, under Plan A, I still have health coverage (of sorts) with Medi-Share (or one of the other two plans), I'm not paying some ridiculous amount for coverage that I neither need nor want and I'm not paying the IRS a fine.
Because that's what I was looking at...much like looking down the barrel of a gun...I was either going to keep my existing coverage (which is going to have its premiums double within the next six to twelve months...it already went up 50% at the beginning of this year) and pay the fine or have to sign up at an exchange for a subsidized (approved) plan.
As I understand it (and I could be wrong) if my current coverage does not meet the minimum requirements of DumbassCare (and it does not) I either have to drop that plan for one that does or pay a fine. My Plan A was going to be to, as mentioned above, just drop out and pay the fine only, wait until I really needed healthcare and then get covered as a pre-existing case. I didn't like that because 1) it's awkward not being covered by anything and trying to get care and 2) it's both insulting and injurious to pay the IRS a fine just because I don't want to go on the dole.
Because that's what it comes down to unless you are pretty darned wealthy...you are either going to have to:
A) Keep your expensive (and getting more expensive) non-DumbassCare approved plan AND pay a fine or,
B) Purchase ridiculously expensive DumbassCare approved coverage (I remember reading that a "bronze" IRS approved plan would be somewhere north of $20k/year) or,
C) Go on the dole by going to a government exchange and getting a subsidized DumbassCare approved plan or,
D) Drop your current expensive non-DumbassCare approved plan,
pay the fine and wait for something to happen and then pay for coverage.
If there was another option (And who knows? Maybe there is) I didn't know what it was until now.
Obviously, I'm going to get info on all three plans and look it over very carefully before committing to one of them...or not.
But I think I probably will.
I don't want to and cannot afford to get a non-subsidized DumbassCare Plan. I don't want to go on the dole, either. I don't want to pay for other peoples' abortions, or their mental health treatment, or their sex change operation, or their maternity coverage, or their AIDS treatment, etc. Because that's why DumbassCare is so expensive. Not only are you paying for pre-existing conditions but you are paying for a mandatory omnibus plan that covers stuff that you neither need nor want nor should have to pay for. DumbassCare is truly one size fits all and they're making you an offer you can't refuse, by law.
I am fortunate enough to meet all of the requirements of these "share" plans...don't drink except in moderation, don't smoke, don't take drugs, etc...so it is a viable option.
So...this is a choice I did not know that I had.