 it has nothing to do with your income so there are no surprises at tax time and it's affordable you know obamacare and medical cost sharing plans they have high deductibles that require you to spend thousands out of your pocket before they cover anything well tim cooper at health plan networks freedom of choice plan most of that coverage is right up front where you only meet your deductible if you're in the hospital if you're paying for your own health insurance if you're on a cobra