I've been self employed all my life, had my back broken twice, Lyme disease, etc. Always paid out of pocket, or made payments, worked out a deal with the hospital. I carried workmans comp, general liability, took care of my men and my business. I figured Obamacare would be great, I could finally get insurance. For 400.00 a month I can get a policy with a 5000.00 deductible, and a 50% copay. So, it's only good if I get hit by a *f-wording bus. If that happens, I can sign up then......in the mean time I'll keep paying as I go.