Reply #3: If your health is good and you've got $5000 in case of emergencies

[willing dwarf]

Then I'd say you'd be in good shape. My husband and I had a plan perhaps like this for about 10 yrs while he was self-employed. We had too much income to qualify for a state plan, but so little income that we qualified for something Blue Cross called "Plan C" it sounds similar.

We were fine with it. Sometimes it felt scary, but good health helps a lot. Mostly what you need is the hospitalization and catastrophic coverage. I personally feel like you can stay healthier by going to the doctor less and avoiding prescription drugs as much as possible.