Paul- my husband was a subcontractor (Insuarance agent no less) and needed coverage. We refused to put him on Obamacare and the rate on my insurance policy was extremely high. He joined Christian Ministries plan. It was not called health insurance, but has thousands of members. He paid $150 a month for their Gold plan I believe it was called. You are also required to make a donation toward others care as well. Not dictated to the donation amount, just whatever you can spare.
He had an incident that was a $14,000 hospital stay with Doctors for 2 days. According to their plan, $500.00 deductible, that entire bill was paid in 120 days just as the plan stated. Here is the catch, you must negotiate the bills with the hospital and doctors yourself. It was a very empowering experience! We no longer need the coverage, but for 1 1/2 years that was a God send.
There are other groups like that. Check Credit unions for instance.
Use the Internet to seek out information.
Hope this helps.
Thanks, I’ll look into that, but when I looked into such plans back when ObummerCare took effect (the mandate) the cost for our family was still unaffordable, tho’ somewhat less than ObummerCare Bronze Plans with a subsidy.