 [ Symptoms ] i am finding that the health insurance plans being offered at present are anything but affordable  deductibles are in excess of 10 000 and monthly premiums are in excess of 400 are there any affordable plans anywhere [ Disease ] if you are applying for an individual policy you should not be seeing deductibles in the range of 10 000 the law limits out of pocket spending to 6 350 per year families can not spend more than 12 700 still you are correct in saying that many of us    especially those who do not qualify for a subsidy    may find insurance costs high the law will make insurance very affordable for some people less so for others generally however the benefits will be richer than plans you can buy on the private market today if you do not qualify for a subsidy because your income is too high i recommend you work with a licensed insurance agent and compare plans that are sold both through your state is marketplace and off the marketplace you will have wider choices and an agent will be able to help you find the most affordable plan that is best suited to your needs