@dalias the monthly cost of the premium, and because it wouldn't pay for anything up to $9200, is waaaaay more than my mortgage payment. I'd have to pay $17,000 a year before insurance paid for anything. And plans with more reasonable deductibles are well over $1100 a month. And there's no guarantee if something really bad happened that the insurance would actually pay out and not leave me with a huge bill. My state has a farm bureau health insurance plan that's affordable, around $300/month, and grandfathered in that can still deny plans to people with preexisting conditions, but it's managed by... United Healthcare.