<prompt> Human: Throw Away for obvious reasons...Tennessee. 27 yo and 30 yoJust got married. We work in a freelance field. So no regular employer and no health insurance through work.This year I made 35K and SO made 65K.Now that we are married, neither of us qualify for assistance. Last year we both did individually at around the same income.We had BCBS, but they pulled out of the majority of TN for 2017. I found a Farm Bureau plan outside of the marketplace because it was cheaper and had a little bit better coverage.The cheapest plan for both of us in our region is 550 a month and not coverage like we had last year. 11K Deductible. 20 Coinsurance. 13,100 out of pocket max.We live comfortably, but will maybe not as much with an extra couple hundred a month added onto our expenses. Neither of us have even been to the doctor in YEARS. We just had it last year because it was much less and we didnt want to pay a penalty.This year, I think the penalty is much more expensive. I cant really even figure out what it is. But is it worth it not having insurance? For two people who dont go to any doctor regularly other than the dentist should we even bother putting away over 7K next year for a service we likely will not use?Its hard justifying spending that much money for a service we hopefully wont have to use. But I dont want to get stuck if something does happen.Is it worth it to live a little closer to paycheck to paycheck to have health insurance you dont plan on using? Should we just pay the fine and hope nothing happens? Were stuck. Any insight would be greatly appreciated. Thanks friends.  <response>: But I dont want to get stuck if something does happen. Then you need health insurance - perfectly healthy people have debilitating accidents, or receive a cancerother serious illness diagnosis every day. You will likely not be one of them, but you might be, and if you are, that 13k out-of-pocket max could be a drop in the bucket compared to your total costs. Only you can decide if the risk is worth it. 