I have employer insurance but checked out “covered california.” It was about $2000/mo. for platinum with no deductible or $1200/mo. for bronze with $10,000 deductible. Between that and income taxes I would be saying sayonara to 50% of my income. Real affordable. Blatant transfer of wealth. Why bust my butt???
You should qualify for the subsidy.
So if you took the $1200 and just saved the $800 you would have $9600 in case you did need to spend it on the deductible and if you didn’t you come out ahead.