I threw a rod in my vehicle. Had to quit my contract as I couldn't get a replacement vehicle at the moment and it was 54-60 miles to work each way. The contractor I was working for didn't have good insurance coverages, so I just checked healthcare.gov to see what it would cost because I figured why not. I must have done something wrong because it is saying I'm not eligible to apply at this time ( until November I'm guessing). So make sure you plan any devasting financial set backs to like October or something.