When I was working as a software development contractor, I went without health insurance for a year. I'm young and I don't have any medical problems, so I could

When I was working as a software development contractor, I went without health insurance for a year. I'm young and I don't have any medical problems, so I could get away with this. Because I'm a software developer and I make decent money, I didn't qualify for any tax credits or discounts. The cheapest health insurance plan that I could find cost twice as much as just paying both the ACA penalty and the Massachusetts state penalty. It made more financial sense to just go without insurance. I can imagine that a lot of young software developers and other people who do contract work find themselves in similar situations.