I could opt out, but with it not being just me I would not feel right doing that. My wife has a lot of issues so she is in and out of doctors and hospitals monthly. On top of that my 1 kid also has services covered by insurance. Sadly I am sure it would definitely cost me more if I stopped coverage. If it was just me I would consider doing that, although having no insurance here means you have to pay a penalty when you do your taxes. I have no idea how much that is.
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REAL pic but feels meme
I will admit I never looked into it, but I always saw it as a question when I did my taxes. It was never something I thought of since it's always been available to me. I did just look and I live in a state where they collect shared responsibility payment (SRP) and they let me calculate it which came to me owing $3375 for the year if I did say no. Overall thats not a bad alternative at $281 a month, but it feels to much like a complete waste by throwing it away on nothing.