dont stress, dont freak out, it doesnt help. i do not know your financial numbers, but i read you do not qualify for subsidies so u are already paying for coverage,. my son pays 1500 a month for him and his wife so its 18k a year, . i suspect you have to be paying close to that now, so what would change? when i first got my job the union/city had 2 plans HIP no out of pocket and blue cross blue shield 2 dollar co payments, well the bride decided she was not going to the HIP "clinic", so the decision was made, blue cross for us, fast forward 34 years the copays are 50 bucks a pop, we go all the time. thats how it goes. our health care is an item we budget for in my imaginary round figures budget. who knows if u will get the social security u counted on, go with the flow this whole thing is a fluid situation, i sure wouldnt go back to work till the situation is resolved