Warning, rant to follow--but with hopefully helpful advice. Since the Affordable Care Act (ObamaCare) passed, detractors have been criticizing it as expensive, "a racket." I don't what rock they just emerged from under. Because we've been buying healthcare from husband's employer for 26 years. And I have yet to find healthcare insurance that isn't expensive. Most is at best, a paid discount program. At worst, it's a protection racket The ACA didn't promise cheap, just affordable, if you manage your money. Here's how we "afford" insurance by prioritizing needs over wants. We Cannot Afford Healthcare Insurance Any More Than You Can