Unfortunately in the US, the lack of good health insurance options in spite of Affordable Care Act (ACA) means that even after paying the penalty for opting out

Unfortunately in the US, the lack of good health insurance options in spite of Affordable Care Act (ACA) means that even after paying the penalty for opting out of soul-crushing health tracking, it is probably still cheaper to work for a company for a company-subsidized health plan than to pay for it all oneself :(.