<prompt> Human: Hello, fellow Reddittors I am a waiter working 6 days a week, which is overtime, trying to survive each months. For this year, I enrolled for the health insurance plan to avoid the fine. However, its bleeding me out. This is how much I usually spend each month. Monthly income average: 1500- 1600Rent Utilities: Average 500550Car insurance motorcycle: 167 14027Car down payment: 275Health insurance Dental: 213 196 17Cell phone: 80Grocery bill: 300 Gas: 70Etc unexpected things: 100200Im also trying to attend to school, but the Pell Grant wont cover everything. Last time, I had to come up with extra 3 to 4 grands to pay for my tuition and buy school materials. I am frustrated because I feel like everything is about money. To be honest, I know I a lot of people who didnt enrolled for the health insurance because paying the fine is somehow cheaper than paying insurance. My GFs parents think I can visit a doctor anytime I want because I enrolled in health insurance, but the truth is that I cant even afford charges for visiting or any other medication I may need. I am scrapping every square inches of my house to find coins that makes my life feel a little happier. What can I do here to save money instead of increasing debt?  <response>: sooo you dont have 25 for a copay but you have a motorcycle? if you opted for the fine, what happens when that motorcycle crashes and you need major medial assistance? health insurance is a responsible adult decision. 