so you had ins.....what about your crack about that 3rd party?....and you are not the only responsible person in this forum like you always seem to think you are....The law is I HAVE to have health insurance. Called Obamacare, aka ACA. Ever heard of this President Obama? He said ACA would insure ALL the uninsured.
I have paid as much as $1100 a month buying health insurance when I had kids at home. Drove old cars for 15 years, worked 70 hour weeks.
Something about being responsible.