<prompt> Human: I have an internship at a prominent company and work 40 hours a week. Ive been here since last June and will continue working until June 12. The downsides of having an internship even though I work full hours like a normal job is insurance. They dont give it. I make 16 an hour and that means I cant recieve any help regarding health insurance. But they calculate based on net income. I pay 700 rent a month and after taxes Im left with not much. They kill me on the taxes. I simply cant afford paying so much for good health insurance. I dont mind waiting out with the hope of getting a full time job with benefits in 6 months but I dont want to get fined.Assistant: How do you know you arent eligible for a subsidy? Did you plug your personal info, location and salary into a calculator Did you speak to a health insurance broker?Remember that the salary info is the estimated salary for 2016. Since you dont know how much you will make this year once the internship ends, I suppose you could use your 2015 total salary. The only downside to underestimating is that you would have to pay back any subsidy you received if you end up making more than what you said you would make. You should check with an insurance broker to see what the best course of action would be.If you are making 16hr, thats 2770mo. After taxes, which I would think would be 20 including state tax, that leaves you with 2216. Take out your rent and you still have 1516 left. What are you spending all that on? Perhaps you need to readjust your spending to accommodate six months of health insurance.Human: 180 a month is what Ive found so far as a PPO. I guess I was being a little excessive by stating I cant afford it. But id much rather wait until I get a full time job instead of paying around 1000 for the next 6 months.I should be making 2700 a month but after taxes its 2000. After rent Im left with 1300 which isnt bad but I really would like to save that 1000 insurance would cost. Hmm thats an interesting point about placing my 2015 salary but I was a student who graduated in June of 2015. Started the internship right after. I did speak to an agent. He said based on my net income Im just above the threshold of any aid. Also, its not that Im spending too much or anything but I really have been trying to save all I can since graduating. Any tips or paths to not paying 180 a month for insurance that will possibly come with a full time job would be a plus.  <response>: So youd rather save the money than have insurance. Which translates to this... if you get sick enough to go to the ER, guess whos paying that bill in the end? The hospital passes that on to me and the other people that are already paying our own insurance, even though wed all like to have that money in our pockets. Time to join the adult world. If you cant pay the rest of your bills on the remaining 1300, the solution is to decrease your discretionary spending or get a second job, not go without insurance. 