[mancerayder]

> Health insurance stopped being insurance when the government forced them to cover everything. You are paying for risks that will never apply to you.

Your entire message is extremely localized to your state. In New York State, the state marketplace a, are only HMOs with limited networks, b, are expensive with high deductibles, c) don't have all that much coverage. In California, by contrast, the plans are a lot more extensive.

In many states, no one pays 1200 a month for a family. My COBRA would be 1200 a month, and if I went with a marketplace plan probably closer to 800. Me. Alone.

And yes, paying for risks that don't apply to you is how insurance has to work, or the insurance companies go bankrupt.