<prompt> Human: So my son needs to sign up for health care as he turns 26 in second half of December this year. I went on the health care gov. site and have been following threads here on Reddit and the web trying to learn and understand how this workscost.Heres his current situation:26 in DecemberLives in FloridaEmployed as flex employee its tight around here for jobsEstimated income this year on 31 December 11741.According to the site the cheapest insurance would be Catastrophic at 171 per month with a deductible of 6850. Low medical use, no medical conditions.So that would mean?Total yearly income 11741Minus 171 X12 2052Minus saved for deductible6850To equal 2139 to live on divided by 12178 per month.This makes no sense to me, how would youhe afford rent, food, phoneinternet for work gas, care insurance or replace clothing for work, vision cost, dental cost, emergency fund, etc, etc.Am I understanding this correctly?? This sounds like a recipe for disaster.  <response>: The rules for ACA subsidies were designed assuming your son because he makes less than 135 FPL would be eligible for Medicaid. Then SCOTUS ruled that the states could opt-out of this Medicaid expansion, and your state Florida chose to opt-out, which leaves your son in the lurch.Yes, its a recipe for disaster. The only bright side is that if your son chooses to forego insurance, hes not required to pay a penalty. 