Oscar. I'm a young non-smoking male though, so I have the cheapest possible plan (with a high deductible).

The cheapest catastrophic insurance plans in 2017 in NJ start at over $250+. I'm about the absolute cheapest plan you can find on healthcare.gov. What state are you in?

NYC, this is my insurance: https://www.hioscar.com/

I have the Market Secure plan. I'm not pretending it's terrific insurance, but it'll cover me if disaster strikes and avoids the penalty.