If you are generally in good health then you might want to consider catastrophic insurance. Something that would cover you in the event you were in a car accident or suffered a heart attack etc.

A doctors visit for things like a sore throat or flu is around $30 bucks. Typically that might be a co-pay so it's a wash. What most folks want/need is to be protected if something crazy happens and that's where a catastrophic insurance plan can help.

It's typically less expensive than a full blown medical plan. Last time I had one was about 8 years ago and if I remember correctly it was around $1200 a year and covered me for any emergencies up to 250k or something like that.

I can't comment on Obamacare.