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Whether you're self-employed, out of work, or covered under a company's health-care strategy, finding cost effective medical insurance can be a frustrating, lengthy process. Toss in controversy around the Affordable Care Act (ACA), and discovering accurate, dependable info can be a nightmare. Sure, low-cost health insurance exists, but certifying can be tricky, and you'll wish to make sure the coverage isn't too skimpy to cover your needsIn this post, I cover the real expenses of going uninsured, what health care reform means for you, and basic ideas that will help you get the very best deal on health coverage.Unfortunately, depending upon when you're reading this, you've probably missed the 2019 open enrollment window, which went from Thursday, Nov. 1, 2018, to Saturday, Dec. 15, 2018. After that date, your enrollment options in a lot of states will be extremely restricted up until late 2019, unless you have a certifying life occasion such as marrying, losing your job, or having a kid, for example.