p.s. Pre-ObamaCare, we got better coverage at about half the price. Other issue is finding a doctor who will take it. Calif is a Dem State unfortunately, so sanity will never return....
Investigate the various Christian and Ethical health aharing plans. They are far cheaper and much more straightforward and get you loose from the obamacare requirements. No “fines.” My daughter and her husband and 2 kids are doing that.