Okay gang who's got the magic answer. With everybody above 400% FPL being SOL there has got to be a player that comes out with a noncompliant ACA plan. This plan I would think would get a lot of traction if they offered a high deductible major med style coverage To cover major medical style Catastrophic events. After seeing some of these premiums I'm quite sure there's going to be a huge market for people who are willing to take the nominal penalty but still want major medical coverage in the event of bad news. Does anyone have a short-term plan that they recommend or know of a carrier that is coming out with a noncompliant plan?