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This has been my approach as well, but effective December 31 my insurance provider will be prohibited from offering a catastrophic-only policy, so I'll likely be completely uninsured come the end of the year. The Affordable Care Act will have priced me out of the market.

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Just the other day I price-compared a catastrophic plan with Bronze plans, and the difference was about $20/mo.

That's just an anecdote, a more important point is that if you buy through the exchange, you get subsidized if you're really too poor to pay the premiums on your own.

The people really getting screwed are the people in the Medicaid gap, in states where Republicans refused the Medicaid expansion.

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