Another option for affordable dependable health care for families and individuals are fast growing healthcare sharing ministry programs like Christian-based Liberty HealthShare and Catholic-based Solidarity HealthShare.  Programs like these are recognized and classified by the ACA as 501(c)(3)non-profit.  Unlike traditional commercial insurance, they are exempt from State insurance regulations and ACA's individual mandate. Innovative programs where responsible Christian families and individuals, or organized denominations holding common ethical/religious beliefs, pay very low monthly rates.  Care is monitored by healthcare professionals, and pooled funds shared for medical costs via advanced well-coordinated online electronic payment process.  Rates stay unbeatable due to low admin costs, unlike commercial insurers paying skyrocketing HMO executive salaries!  Members access any hospital or doctor they choose.  Overall, in my opinion, much more attractive than Marketplace products.