I don't mean that it's affordable, I just mean that the reason isn't a pre-existing condition exclusion. For insurance for myself I'm paying $484.71 a month and

I don't mean that it's affordable, I just mean that the reason isn't a pre-existing condition exclusion. For insurance for myself I'm paying $484.71 a month and there's a $5850 deductible, after which it probably only covers some percentage of it, until a maximum out of pocket is reached (this information isn't viewable in my account online and is probably in some mail that I've thrown out). Certainly not affordable. A pre-existing condition exclusion means that you're on your own for expenses arising from your pre-existing condition, or if you didn't report it when you applied for your health insurance, that you could have your health insurance retroactively cancelled, and have to pay back any money you received. It's really bad, but since some healthcare expenses seem to have more than tripled in the last 10 years, it's often worse today. I'd much rather pay 100% of $800 than 50% of $3000.