<prompt> Human: Im 22, male, and make about 1,200 a month. Im obviously working so that I can climb the career ladder, but this is my income situation now. Car insurance is a must because it is required, and I need it to get to my job. Im 22, not married, male, and have a ticket, in 2012 so Im pretty sure that puts me in a high-risk section. Is there any way to lower this cost, or do I have to bite the bullet? I am a really safe driver, and I havent had an accident since 2011, my only accident but I dont think this is going to help much.Also, my employer doesnt offer health insurance, and Obamacare has made the laws really confusing for me. I live in Virginia, and the state talks about repealing it, but I dont know of thats going to happen or not. I dont know if Im legally mandated to have, but I doubt I can realistically afford it, so what should I do if I am required by law to get it but literally dont have the money to buy it?EDIT: Parents insurance is not an option, my dad is dead, and Im not on speaking terms with my mom.EDIT 2: The 1200 is after taxes. It probably closer to 1300 now that I think about it, which I know isnt that better. In my senior year of college, I had a lot of personal and family issues, so I had to focus more on finding decent housing and buying food than I did applying for jobs and networking.Assistant: One of the exemptions to purchasing health insurance is if the cheapest qualifying plan in your state exceeds X of your income. I think you may fit that category. But you need to get a full timedifferent job. Theres only so many lentils in this world. At some point we need to raise your income. Human: Yeah, I know, the job thing kinda blows. I actually have a BA in Economics, but my senior year of college I had A LOT of family and personal issues, so I didnt have that much time to do applications or network, because I had to focus on survival and finding somewhat decent housing. I really shot myself in the foot, and honestly have no clue where to begin.Assistant: Clean yourself up nice, and take chances with resumes. If youre not working 40 hour weeks, spend the balance of 40 hours applying to jobs.Human: No offense, but thats really vague, and the 1200 is after taxes although I still know thats not a lot.Also, I am kind of a recluse. Its difficult to explain, but talking to people I dont know literally exhausts me. Yes, I know I need to do it, but the thought makes me cringe so hard.  <response>: The architect said it best: there are levels of survival we are prepared to accept 