answer:We’ve about debated Obamacare to death here, but your situation illustrates exactly what I was afraid of, and I never have gotten a straight answer about what happens to the poor soul who ends up having to do without a necessity so they can pay their health insurance bill. We had a similar policy years ago. It was the only one we could afford, but we did it voluntarily. We did end up using up the $5000 deductible, and it did save us a lot of money, but it sure wasn’t fun. However, if you don’t have it to begin with, it puts it in a whole different light, doesn’t it?