The lowest option I have is 400 dollars a month with a 13,000 deductible. I was informed that if I entered the fact that I am paying 2500 dollars a month in student loans that would be taken into account. It was not. So in turn I cannot afford to have insurance and have to pay a penalty at the end of the year. All this does for me is nothing. Could you explain to me how I get the affordable part?