You might want a bigger pool. I'm 40 and was healthy until October when I was diagnosed with head and neck cancer. That was treated and two months after my last radiation/chemo treatment they did another PET scan only to find that the cancer has spread to my liver. I just finished up radiation for my liver a few weeks ago and on Thursday start immunotherapy. As far as I know immunotherapy is a ongoing thing for the rest of my life and it isn't cheap.

I stopped counting when my medical bills hit $750,000. It is probably double that by now. Again, normal healthy 40 year old guy that rode his bike everywhere who woke up one day with a sore throat that ended up never going away.

The correct size for an insurance pool is “whole country”. Nothing else makes sense.

It would be better to stop calling it "insurance". It's a medical costs pool.

Good luck sir. And to anyone here who is reading in similar circumstances.

That tax penalty no longer exists. I'd also like to point out that when it did exist, it was less than one month of my current un-subsidized insurance premium.

Yes fresh faced 20 somethings that all look, act the same who have this weird problem almost sick obsession with (EQ). Being a nice person who is a hard worker no longer good enough in today's New economy. I am over 40,unemployable because I needed to take some time off. Self studying front and back end development, having an accounting degree means nothing because I am an introvert and act nervous etc.. So don't interview well

If you have an accounting degree, you should have no problem finding a job...in accounting...where you have the education and experience.