Iam writing to warn those using Affordable Care Act (Obamacare) health plans who are considering dropping all coverage due to rising premiums: A better choice would be to find a lower-cost plan using healthcare.gov. If you can use a smartphone, you can navigate this website. If you can’t find a decent plan at a cost you can afford, go for an inexpensive, indecent plan.

Without any insurance coverage at all, you will be billed at cash prices for any medical service. With insurance coverage, you will be billed at the rate negotiated by the insurer, which will generally be lower. In either case, once you receive your bill, contact the provider’s financial office to arrange a payment plan rather than let a debt hit your credit report.

And next time, vote for the party that wants to keep medi

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