I pay for a yearly plan. It covers if I get in a car accident, or break my arm, or if I have to have gall bladder surgery. It covers trips to the ER and some prescriptions. What it doesn't cover is going to the doctor if I have the sniffles. I'm pretty sure if I was found to have cancer, it would pay for those treatments too, because I've had the plan for 4 years and I know that is in the fine print. It's a great plan, just not one that meets Obamacare levels of coverage. It suits me, and I don't want to be forced to buy a better plan because some one in the government thinks I can't decide for myself what I should buy.