Solution for those who do not want to purchase health care insurance...

[Ms. Toad]

52. Here are some real Ohio numbers.

In Ohio, a 35 year old with 25,000 in income can get a Silver plan, with a $3000 deductible & $3750 out of pocket max (before cost sharing subsidies) for $185.08/month.

Because that includes a premium subsidy, it will also include cost sharing subsidies which will lower at least the out of pocket maximum, and possibly the deductible, as well. And most people don't have $3,000 in medical expenses every year; most don't have more than the preventative care visits (covered at no charge before the deductible) and one or two more.

You can get a lower deductible by choosing a higher premium. A $1500 deductible (with vision and dental) is $253.02/month.

It isn't the best - and you can buy a worse plan - but the combination of premium subsidies and cost sharing (not available on the site I checked) make the cost manageable for all but the chronically ill.