We had an agent come in and talk with us the other day at my job (which does not supply insurance), and he told us that the fine we get if we fail to sign up is 1% of our annual income. If I have an annual income of $20k, that's only $200, vs the plans I saw which had me paying $101-$250 per month with a $30-$50 dr visit co-pay and a $6,0000 deductible. Hmmmmm
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I agree with this. Don't go through an "agent" - do the research yourself. If your state has an exchange, you can get very reasonable rates and actually have coverage instead of paying a fine and hoping nothing catastrophic happens to you.
Do the insurance plans you've seen so far include therapeutic massage or anything useful to people who are already healthy?
There is a non-discrimination clause in the AFA meant to protect alternative practitioners and there is supposed to be some emphasis on wellness, but it wasn't something I was looking at, so can't really say how that translated into reality.
I see you and I have similar ways of thinking. I'd much rather use that money on the organic and healthy foods I eat and taking care of myself over all!