In my case, our expenses would easily outstrip the cost of the insurance. Just the prescriptions alone are more than the unreduced cost. One of my prescriptions costs more a month than the subsidized rate. Be sure to do all the math when deciding. For just 3 months, maryrrf may very well be right. I don't know your particular situation, but $10,000 deductible is pretty high. Private insurance may be a better deal.