I’m not sure what your experience with it was, but in California it can be fairly cheap. Some anecdata: - bartender friend of mine got laid off due to covid. W

I’m not sure what your experience with it was, but in California it can be fairly cheap. Some anecdata: - bartender friend of mine got laid off due to covid. With unemployment at ~$3k a month, he paid about $200 a month for insurance that had very low deductibles and overall seemed to be a good plan (silver). It was better than the plan I had as a university professor at a “good” university. - another friend of mine started her own business. Very low income the first year (maybe $20k?) and was living on savings. She ended up paying about $100 a month for similar insurance to the bartender friend above. The “downside” of these plans is that they scale aggressively with income. For reference, the entrepreneur friend’s business took off in year two, and now she’s paying about $1100 a month. This sounds high, but that’s what her group plan cost at her previous employer when you factored in the company contributions.