Got it, thanks for the clarification. I wasn't aware that insurers were offering non-ACA-compliant plans. That's frustrating. It sounds like those plans are basically there only to cover catastrophic emergencies and illnesses, e.g. a car accident or cancer.

I still stand behind the comment that it's meaningless to throw out a monthly number. It varies so dramatically depending on your gender, age, and location, to the point where it's meaningless to give a number without that context.