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As a self-employed actual consumer of health care, I have found out the hard way that "affordable" health care coverage for an individual (yes, I am over 50) is either very expensive (over $1,200++ per month for family coverage; CIGNA was going to charge me over $1,500 per month for comparable coverage under their COBRA plan), or covers almost nothing (one plan presented by the insurance agent did not include mental health coverage, which I thought was not legal; most have no dental--now linked to heart disease--and deductibles were $1,000-$3,000 per year, then they pay 70%). "Affordable" is a misnomer; "profitable" is what they mean. So if you can afford it, they're not going to be paying for any care, or will just refuse to take you.