Before looking for non-ACA coverage, you may want to investigate an exemption for the lowest-priced plan available for you. There are two types of exemptions based on, 1) affordability and; 2) hardship. You might be eligible for an affordability exemption if a health plan exceeds 7.97% of your household income. You might also qualify for a hardship exemption if you had a financial setback or another circumstance that prevented you from obtaining health insurance.[0]
If you are concerned about your major medical insurance policy’s high deductible, you may want to consider supplemental insurance to help with out-of-pocket expenses not covered by your major medical policy. Critical illness insurance or accident insurance are two examples of supplemental insurance that might help reduce your high deductible out-of-pocket responsibility. In some states, you must already have a major medical policy in order to obtain certain forms of supplemental insurance.
Learn more about supplemental insurance.