It's still expensive, I worked as a contractor full time for a tech company for a year which basically means I pay for my own insurance through Obamacare (though they did suggest insurance at work but they didn't pay anything towards it so it is just is in case you want a 4th party to help you help yourself). Still long before that I basically just said I didn't have insurance and would get the price knocked down considerably. Half the time it's cheaper not to even have insurance... But now I'm "responsible" in the hopes it might bring down the price for other things in the future. For planned events I recommend health insurance, despite how often it's not all that worth it. Honestly though my current insurance copay cost as much as being uninsured in other countries so I kinda laugh at this crazy idea. I pay about $100 to visit any specialist doctor and it only cost $80 to be uninsured in some other countries on top of the $350 a month I already pay.
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