<prompt> Human: Thought this might be a good place to ask about this. Im a current college student, thankfully preparing as best I can financially thanks to advice from this sub. But my concern is with my parents. My Dad got laid off a few years ago and has been hopping jobs ever since, and because of that we have yet to secure a good health insurance plan discounted through a company. My mom and I both have the same chronic medical condition, which obviously has always burdened my family with higher than average costs even on a discounted plan through an employer. Thats understandable to me, but now after exploring different options without a discounted plan, every quote we get is asking 1800 monthly. This seems super unreasonable to me, seeing as the average American makes less than 60k a year, with these quotes all asking for more than 21,600 annually before paying deductables and without copays. Currently we are on Cobra over the 1800 per month threshold, Medicaid quoted a similar price. Both also are accompanied by 500 copays for medical treatments my mom and I require every few weeks. My college offers a plan for around 2 grand annually, but wont cover me when Im home for breaks i go to school out of stateI get medical insurance companies suck and they are a business, but am I right to assume this is unreasonable? Is there anything we could do to reduce this? Are we being scammed? Im new to the whole insurance game so im really not sure. I just cant see how companies could charge people this much. My dad just started a new job and is hoping to get added to their health insurance within the next year. But in the mean time Im concerned because of how rapidly theyre depleting their savings just to cover this insurance.  <response>: Unfortunately this is what unsubsidized over-the-counter health insurance rates look like in America right now. 