The ACA mandate afaik no longer carries a fine so as of today at least you are free to go without insurance if you so choose.

The Tax Cuts and Jobs Act of 2017 eliminated the fine for violating the individual mandate, starting in 2019. (The requirement itself is still in effect.) https://en.m.wikipedia.org/wiki/Affordable_Care_Act

Furthermore how many people are covered by that $2400 a month? I'd assume it's at least 4 if not more?