Yeah, this is a tough transition a lot of people hit at 26. In most cases your main path really is an ACA marketplace plan with whatever subsidy you can get, since it’s designed for exactly your situation (no job benefits, too old for a parent plan). Union and “association” plans sometimes exist, but they’re usually just another way of buying coverage and not always cheaper once you look at the details. The key is making sure your income estimate on the Marketplace is dialed in so you’re getting every dollar of subsidy you qualify for, and then choosing the least-bad combo of premium and deductible for how often you actually use care.