Even so, $650 a month with a high deductible is ridiculous especially for a 24 year old. No obligation of course, but I am a licensed agent and I can show you some other options if you’re interested.

If you’re low income you may be able to qualify for subsidies on the public marketplace. Gold plans are going to have lower deductibles. If you’re healthy enough to qualify you might want to talk to an advisor to go over your private options.