You're friend's story does not make any sense. New York screwed up its individual health insurance market a long time ago, via 'community rating'. Here is a n

You're friend's story does not make any sense. New York screwed up its individual health insurance market a long time ago, via 'community rating'. Here is a nice summary: http://www.newsmax.com/Newsfront/wsj-nyc-insurance-market/2013/07/23/id/516651/ http://www.newsmax.com/Newsfront/wsj-nyc-insurance-market/20... There is no way he had any kind of health plan for $175/month, not in New York pre-ACA.