<prompt> Human: the original post is 1st postso i explained to my mom what obamacare is that its just healthcare assistance by getting gov subsidy. and now she decided to get health insurance for my brother as well.what has NOT changed still is that he will still be independent with his 20k income, because again, if he goes back dependent, all 3 of us will end up having complications with 100 subsidy.now the issue is that his options are very expensive and crappy, and they all seem to come with something called a co-pay of 25 mom called it co-pay, where he will have to pay 25 fee for a doctor visit this is at united healthcare apple care insurance. the options he has are in the 150-170 USD range with the copay as well as a very high deductible.is there a better insurance option he can go for? how do we find it? and what should we look for in a coverage? only thing i know to look for is a low deductible with a low monthly costthx for the help to this point!  <response>: seems cheap to me 