Dear Sajha Mitra Haru, Looking for suggestions for a good friend of mine. He had insurance before while working on W2. He started his job this month with consultancy. Now as an independent contractor you don't have health insurance. Consultancy is offering crappy health insurance for 400 a month with deductibles and copay every time you visit the hospital. My friend is healthy but looking for minimum coverage just in case and to mandate to have health insurance. He is new to Independent contractors and working with consultancy. His question is where can he find the cheapest health insurance? As being Immigrant on F-1 he cannot apply for State Insurance. Is there a way you can do this. Because your yearly income is greater than 60K. Any suggestion or guidance is welcome.