Are any of those available to me? I'm under 50yrs old. US system SUCKS! Pretty much everyone is STUCK in their jobs because buying insurance for yourself is expensive and even more so for a family. I hope no one in my family gets into a serious accident or develops a health issue that requires prolonged care because even though our household income puts us solidly into upper middle class, we are only a step away from bankruptcy due to the shitty health care system in the US.