My husband and I have not had any health insurance in 8 years. We refuse to pay those high monthly premiums just to pay thousands more in deductibles and copays. We are in our 50's and very healthy. We don't go to doctors or take any prescriptions. We pay cash if something comes up. We save ourselves a lot of money. We put it towards our health with doTERRA supplements and essential oils along with organic eating and working out.