I got my health insurance bill for January 2026. It was $32 instead of $1200 because my income is below 400% of the poverty line in the USA. This is why the ACA/Obamacare (they are exactly the same thing) politics is so heated in the USA. I don't need much income because the house is fully paid up so I don't have to pay rent or a mortgage. Folks in my situation have been sold on making Roth Conversions so they never realize the opportunity for saving on health insurance. This is known as target fixation. Focusing so much on saving on taxes that they miss other opportunities. If I was making Roth Conversions my income would be much higher. A Roth Conversion allow you to pay taxes on investments now so they won't be taxed in the future, presumably at a lower tax rate.
If think you don't make enough money to pay for Healthcare in the USA, you may actually qualify for free Heathcare Insurance.
