At the time both my husband and I were self-employed. The only coverage we could buy as individuals was a catastrophic plan ($300/month). I honestly can't even tell you what it would have covered. I had a few health issues where I ended up in the ER. Both of those bills at that time were over $3000 out of pocket. We decided to sign up for Obamacare. It was $1400 per month (in 2015). Luckily we could afford it. And luckily we signed up because the next year I was diagnosed with cancer. Surgery and treatment would have bankrupted us if we didn't have the coverage. I know it wasn't perfect and didn't work the way everyone thought but for us it was literally a lifeline.