 [ Symptoms ] what is the difference between  urologist and  gastroenterologist with the most experience with treating kidney stones [ Disease ] i am very sorry to hear about the higher rates the fact is for some people    particularly those who do not qualify for a subsidy    insurance rates will be higher you might have better luck shopping off your state is exchange since you do not qualify for financial help you can look for a broader range of options some of which may be less expensive you can start searching for plans available in your area by going online to a site like ehealthinsurance com there is also an 800 number where you can work free of charge with a licensed insurance agent who may be able to help you find a plan you can afford