<prompt> Human: Details: I have a wife and child, and will be moving in 3 weeks to start a medical fellowship in Maryland. I will be getting paid 50K, and most fellows have gone without insurance for the two years because of this obscene amount. My wife does not work.Also- would love to go for the ObamaCare, but we plan to go to doctors in different states for our medical issues, so this isnt an option.Health Insurance details: Deductible 500 individual, 1500 family, employer covers 250month in addition to my 1250monthEdit: I dont know or care why I am being downvoted everywhere. Thank you to all those defending me below, but the truth is, I dont care much about it at all. A sincere and heartfelt thanks for all your help guys, will have to do some thinking and calculating. We may just do a combination of employer and affordable health care insurance for the family. Gotta crunch the numbers.Assistant: Maryland has some of the best medical facilities in the US? Why would you go out of state? The AFA insurance plans are quite good here in MD, though I have insurance through my employer my bf uses the AFA marketplace and has the same insurance company with less deductibles than I have. Also, if you pay for child care and obtain flex spending your taxable income is actually lower than 50K and may be eligible for less pricy insurance. Human: The issue with us is that our baby has allergy and GI issues and is very well known to our New York doctors. We like and trust them so much that we are not going to take a plan that wont cover our visits. EDIT: wow, you guys are harsh.  <response>: So how exactly are you paying for these doctors right now? Doctors you can afford Doctors you cant, however good they are. And as everyone has said healthcare in Maryland is second to none. I think you need to have a serious talk with your wife about this, because at 50k a year you are not in a financial position to be paying for the luxury of staying with a doctor you like, over one who will be just as good. 