<prompt> Human: So Im a server in Colorado who makes cash tips every night. My recent W2 claims I made almost 40,000 last year, so I didnt qualify for to be exempt from the healthcare penalty. They are charging me 700 on top of owing state taxes in the amount of 600 so Im looking at owing around 1300 this year. I cant afford the 200 a month health insurance Ive been quoted by multiple agencies although I need insurance because I havent been to any doctor in almost 3 years. I cant be added to my dads insurance because he is on Medicaid and draws disability because of a botched brain surgery a year ago. Mom is not a part of the picture. Im basically on my own. Paying the penalty every year is cheaper than paying for insurance at this pint but both situations SUCK. Any advice for me?  <response>: Why cant you afford 200 a month in health insurance at 40k a year? Post your complete budget, this is not an unreasonable cost. 