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I've been out of work for almost a month, and continuing with my former employer's plan would cost me nearly a grand a month. I've seen claims that not having insurance for the month or two ( :-) ) I'd be out of work would cost me more in penalties than having insurance. I've been told also that a "bridge" policy may not be ACA compliant and still stick it to me with penalties. Another opinion is that getting minimal policy would be about 600 bucks a month. We paid off everything except our mortgage in the past couple of years when income was high. Wife is on medicare (71) with health problems. I get medication for BP, blood sugar, but am in pretty good shape otherwise. I've gotten scads of advice that basically sums up to "Well, what do YOU want to do?" I'd love to get opinions, and some sort of low-down on what the tax penalties will be for me in 2016. Is it REALLY going to end with my tax penalties being more than just getting something from one of the ACA exchanges? Seems the bottom of the barrel policy is still about 600 bucks.