i suggest you work with an agent who can help you sort out all of your options. look for one certified to sell insurance through healthcare. gov at nahu. org.
my wife two girls and i have an individual health insurance policy and don't have access to insurance through work. our humana premium is more than doubling starting january 1. the cheapest policy through the exchange is worse coverage and almost as expensive even with 100% of the premium credit applied. what can we do? i can't afford either option.