<prompt> Human: Hello Personal Finance!Im not sure if this is the best place for this but please tell me if there is a better place for this postSo I have been shopping around for health insurance for me and my girlfriend for the past few days and I have come to the conclusion there is no way we can afford to get health insurance without it dipping into our savings, We are barely making it by as is. Our household income is barely 30,000 before taxes, and we live in an expensive county in California with no possibility of being able to leave this area. We are above the annual household income for Medicaid, but fall right in the spot for it to be a requirement to have Health insurance unless we want a additional tax that we can not afford added when we file for federal taxes Thanks Obamacare!. We barely get to save any of our income as is and assuming we have to get health insurance we wont be saving any money, but in turn loosing money! What the hell, what should we do? We can not afford to be paying for health insurance that wont even cover us when its actually needed. The deductible for us would be around 6,500 per person, whats the point of having to pay health insurance if you literally can not afford to use the insurance due to the deductible being too high? Is it just us or are there other people in our situation? We arent sure how to proceed at this point.edit: Thanks so much everyone, you have all been extremely helpful. Thanks to all who clarified the info i was not accurate and certain about and for explaining the best actions for us to take, very much appreciated.  <response>: You should qualify for a subsidy through Obamacare, I would think at least since its all income based. I am not a health insurance expert or anything but we have insurance through the marketplace and we get one. As far as the deductible, ours is 4500person or 9000family. Weve only met like 2k of it because most of our routine doctors visits are covered by our copay. The only thing that has gone to the deductible was some CT scans that my husband had to have. We got a discount on the total amount with the insurance, it wouldve been closer to 5k without insurance.I hope this all made sense, I feel like I was just babbling. 