[tptacek]

I think they're going to be a lot more surprised when they let their insurance lapse for a few months and find out that the ACA amendments provide guaranteed issue only if you've had continuous coverage --- without continuous coverage, you can be uninsurable without first working a full-time job for a year.

Not "expensive to insure". Uninsurable, at any cost.

[toomuchtodo]

You can skip coverage for up to 3 months a year ("Short Gap" exemption). If you do this at the end of a year, you can get back in Jan 1st of the next year without penalty. You could, depending on risk level, only be insured 9 months each year to save on costs.

https://marketplace.cms.gov/technical-assistance-resources/e...

[tptacek]

That's under the current ACA. The most likely repeal/replace bill replaces the individual mandate with a far stricter continuous coverage rule.