<prompt> Human: Working in the bay area, 33K salary. The cheapest insurance I can get from my employer is 150mo, which technically passes federal affordability requirements.As I spend a significant amount of my money a month on rentbillsfood here, I really cant afford to tack on 150mo - that would destroy the modest amount Im able to save per month.But according to covered californias estimates, for my area Id qualify for health insurance subsidies bringing me as low as 50mo... which is much more affordable for me. The problem? This only applies if my employer doesnt offer health insurance under the federal affordability guidelines, which they technically do.Since I cant get subsidized health care through covered california, my only option appears to be through my employer.Im 27, generally healthy. I think Im better off spending yet another year without health insurance. Especially since I dont see myself staying another full year at my current employer, and might not even be living in the same state by the end of 2018.  <response>: what would happen if you broke your leg tomorrow? five figure medical bill for sure. and that has nothing to do with your general health. find 150 to cut down in your other spendings. you need to track exactly every dollar spent, youd be surprised what the possibilities are when you do that. 