<prompt> Human: Once my employer offers insurance I get kicked off my dads. My insurance through work would be 2000 a year. If I dont pay for insurance Ill get penalized 750... what do I do? Is there a way around this? I make around 30,000 and rarely go to the doctor. Maybe a couple times a year. Ive calculated 2000-750 is around 1240. Thats how much id have to spend in medical bills in a full year for this to actually be worth my while... any suggestions? If it helps Im in Michigan Assistant: one ER trip would be much more than 1240. get the insurance.Human: My boyfriend goes to urgent care here and its around 150 for his visit and he doesnt have insurance Assistant: Thats not the ER...Human: I know... Im on insurance now tho and wont ever go to the er its more expensive and the same as urgent care to meAssistant: So where do you think you go if youre in a car accident?Human: I know theres a lot of what ifs going in on my head... but what if I spend 2000 in one year and didnt even use it? But again what if my appendix bursts or I get cancer? I mean its so confusing and I understand both sides completely  <response>: Youre paying to not be crippled for life by potential medical bills 