If you do not qualify for a subsidy and you do not get an employer provided health insurance plan, there actually are 2 legal ways to substantially reduce your healthcare costs, with a couple of big IFs:
IF you do not have substantial pre-existing health conditions. Or, to put it another way, if
- You are healthy and have no substantial existing conditions
- the cost and risk of these conditions is low enough that you would save money by paying for the medicines and care on your own,
then one of these approaches will work for you.
Two Methods to Legally Reduce Your Health Insurance Costs:
- Method 1 – One way is to get a Christian Health Sharing Plan – see this page for information about this approach
- Method 2 – The other way is more involved, and is getting on and off the ACA system each year; see this page for an explanation.