If I was in your shoes prior to Obamacare I would just get a major medical policy. Since the monstrocity is there I would say to explore it and the new exchanges but one of the networks had one of their staff try to do it yesterday and they gave up after getting nowhere in 30 minutes. Maybe once they get all the bugs worked out you can check it out. What's not being advertised though is that those that do not sign up for insurance will have to pay a fine but I am not sure when or how they would collect the fine.