Does your current employer offer health insurance? You said you’ve never been able to get health insurance except when you have. Are you self employed?
I’m self-employed, and get health insurance through the marketplace.
Before that, I was uninsured, even though I could afford it, because no company would sell it to me. Before that I was on COBRA, before that my company had s group plan that I paid for, for years, and was quite happy with it. But they canceled all health insurance plans for their employees.
Ed