 [ Symptoms ] with the subsidies my cost of health insurance premiums should be below 200 a month  yet with 6 000 in deductibles it does not sound like i can afford to go to the doctors even if i need to does not it make more sense for me to just take the 95 tax penalty and save 2 400 premiums and out of pocket expenses of 6 000 if i have to pay 8 400 each year toward medical expenses i cannot afford to live in my home of 23 years [ Disease ] you make a fair point it is true that while the premiums are reasonable for people who qualify for a subsidy many plans do come with high out of pocket costs you can decide to pay the penalty    that is an option just keep in mind that these plans allow you to obtain preventive services at no cost at the time of the visit and if you have an accident or are diagnosed with a serious illness even the high deductible will be immeasurably less expensive than paying for care out of pocket