[what's up]

And who pays for the specialist?

Get low cost catastrophic insurance.

[catnipman]

“Get low cost catastrophic insurance.”

Obamacare has made that illegal come 1/1/2014.

[grumpygresh]

” Get low cost catastrophic insurance.”

You can do that if you can find it. Under 0-care, even if you get catastrophic insurance, you will still have to pay the tax/ penalty.