<prompt> Human: I am 27 years old and have been out of a job for 4 months so I no longer have a company health insurance plan. My husband is 30 years old and his company does not provide health insurance. We do not qualify for subsidies and it is looking like the lowest health insurance policy would be around 400month which is not affordable for us. Would it be better to just to pay the penalty and be uninsured? Are there other options that are more affordable, like filing separately? I know policies vary from state to state so it would be helpful to hear from someone who also lives in TX. Any advice would be greatly appreciated though!  <response>: Im no expert but just to be sure, youve gone though all the rigmarole at and thats where the 400 figure came from? 