After three years without insurance I was grateful for the opportunity to get coverage. It didn’t take long to realize that there were very few doctors that took my insurance. I pay more for insurance per month than my mortgage, can’t save any money because it all goes to that and I can’t find a decent doctor. Not to mention vaccines and tests I could benefit from cost hundreds to thousands of dollars, with insurance, and weeks to get an appointment. If I were younger, I’d pay the penalty and pay cash.