Being self employed and in very good health I found my self at 58 with an $820 monthly payment and a $7,200 deductible for something I used once or twice a year. It made more sense to go without insurance and save the $17,000 I would have to spend annually to find any benefit from the marketplace. However, that left me feeling uncomfortable and without a safety net. Reading this allowed me to sort out options, find something that better suits my family and our approach to healthy living and not break the bank every month. Thank you!