I personally haven’t had health insurance since high school. When we married my husband was making just enough money for us to barely pay the bills, let alone the ‘extra’ expense of health insurance, as we saw it. Our family waited 20 years before getting coverage. And, just like a lot of families out there, particularly self-employed families, we signed up to avoid the fines given due to Obamacare. We signed up for Christian Healthcare Ministries.