<prompt> Human: Is there anyone here who doesnt have health insurance and saves the money that they would have spent on monthly premiums? I know this is a risky venture. My family of 3 will cost 600 in monthly premiums with 10k in deductibles. We rarely go to the doctor. We do not have health insurance at our jobs. We do not qualify for subsidies either. 84k combined household That means we will pay 7,200 in annual premiums without even going to a doctor. If we are in a car accident, auto insurance will cover our medical bills. Please advise.  <response>: I think youre severely underestimating the cost of healthcare. Also 500 a month for three people is not outrageous at all, you likely pay more for other shit that is considerably less valuable than health insurance. Edit: Also your penalty is going to be 2.5 of your income so roughly 175 a month for no insurance at all. 