<prompt> Human: So with the individual mandate going away my health insurance seems outrageous for what I am getting 250month lowest possible. I am in my late 20s, Vegan, thin, and am almost never sick. There is very little information about how much things costs out of pocket and almost no information about cumulative risk of catastrophic injury or illness. Also since insurance companies arent allowed to turn you away for preexisting conditions. Do you really need to insure for long-term illnesses? For example if I found out I had cancer couldnt I just coverage after the fact? What is the net worth you need to self insure your health insurance? What is my actual actuarial costs?How much liability does health insurance actually cover? When I look at the Medicaid payments to providers it seems more reasonable than the costs of premiums?How much should your personal risk factors Diet, exercise, risk aversion, and other habbits effect your willingness to pay premiums? P.S I dont qualify for marketplace plans and am self-employed.Assistant: You cant randomly sign up for insurance whenever you want. You can only sign up once per year in NovDec for the next year or if you have a qualifying life event. So if you get cancer in January, good luck paying for treatment for a year.Everyone qualifies for a plan through the marketplace. You just might nor qualify for any subsidy.Yes, everyone should have insurance.Human: At what point should one not have insurance? 500month? 1000month? 5000month? At a certain point the costs of the premiums isnt worth the health care youre are receiving. As I have been shopping around insurers have been more than happy to have me sign up in the middle of the year  <response>: No one is paying 5kmonth for insurance. You can get insurance for 250month.If you can sign up whenever then its not a plan thats bound by ACA laws so they can deny you for whatever reason. They may be happy to have a young healthy person sign up, they wont be happy to have someone with cancer sign up. 