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Unless, of course, it turns out next year that Ibram has lupus. Shitty lottery to win, but you can be sure after that that he will spend virtually anything on a good policy, because it will still be cheaper than his medical costs would be. Good thing he has that option now.
And he will be a walking, talking recommendation to his friends for buying good health coverage, not the cheapest they can get away with. He will say, "Hey, friend with a wife and baby. You see this shitty thing that happened to me out of nowhere? If it happens to you, your wife and baby will be living in a box on the street." And his friend might be smart enough to learn the lesson, and it might change his understanding of what he can and can't afford.
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