first of all i'm not sure if this belongs in the finance forum, but i can't find a better place for it. has anyone here done it? i will switch my employers next july and my health insurance monthly premium will go up from ~36/month too ~100/month. i'm a 29 year old woman who has very low healthcare utilization, nor much time for it, i am also not planning near-future pregnancies. i'm more of a healthcare provider than consumer. anyway, i see no reason to pay for a service that i don't need and won't use. i just looked up on some website (ehealthinsurance.com, which i don't know how reliable this is) insurance plans for my area, it seems that i can get one for 44/month, but that has a deductible of $5,000/year. this is fine with me, as i don't intend to use it, but it would be nice to have insurance in case there was need for it. supposedly buying own health insurance is difficult and expensive. the quote that i found doesn't seem too bad compared to what my future employer offers. i'm wondering if this is an error or if the people having problems finding own insurance have pre-existing conditions, are older, have young dependents, are smokers, or whatever else would make their premiums higher. anyway, does anyone here have any helpful thoughts or suggestions? do you think it's unreasonable to just sign up for whatever they offer? thanks for any comments or suggestions!