<prompt> Human: My monthly premium is 350 and Im thinking ... what if I purposefully stop paying for the months of November and December or halt my coverage somehow for 2 months and then start back up in January? Would I qualify for the short gap exemption? It would at least knock off 700 from my annual spend on insurance. Im in tip top shape and really dont need insurance, just get a physical once a year... kinda pointless!  <response>: You cant predict when your appendix might burst or youll be hit by a car or you pick up a virus that ravages your insides because someone didnt wash their hands properly. 700 is nothing when hedging against what you might be stuck with, high deductibles and all. 