Another option for affordable dependable care for families and individuals is the fast-growing healthcare sharing ministry programs like Christian-based Liberty HealthShare and Catholic-based Solidarity HealthShare. Sharing programs like these are recognized and classified by the ACA as 501c3 non-profit, and unlike traditional commercial insurance, are exempt from State insurance laws and 'individual mandate' requirements. Really innovative programs where responsible Christian families and individuals, or organized denominations holding common ethical/religious beliefs for medical expenses via advanced well-coordinated electronic payment process.  Rates are unbeatable due to low admin costs not like commercial insurers paying skyrocketing HMO executive salaries! And members can see any hospital or doctor they choose. In my opinion, overall more attractive than Insurance Exchange Marketplace plans --check 'em out!