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I make too much money to get health insurance for free, but as I live in California, all my money goes to rent. The maximum fine for not having health insurance is not even half what having the worst health insurance costs which only helps me if I am saved from death and will be in debt for my whole life.

Why would I go into debt so I can avoid going into debt when I need a doctor maybe once every 5 years? Even when I was in a motorcycle accident the whole thing was just retarded and I am still in pain so it feels like I should have just died.