Question for you guys that are self employed and have kids. What are you doing for health insurance:? I cant afford a huge premium and really just need insurance if something bad were to happen. I have been looking on different websites but all I am seeing are policies through Obama care. I am nervous about Obama care because so many dr offices are not taking it. I thought about just saving cash in a separate account (1k a month or so) to cover our needs. It seems it may be more cost effective to do it this way and pay the stupid ass fine for not having insurance. I know dr offices will wheel and deal when you tell them you are paying cash. Thanks for any advice. I just turned my notice at my job to go full time with my fab shop.