Which is smarter? Don't buy health insurance? or go toss premium money out the door?

Our company policy was cancelled, now there is a new plan being offered. So should we pay the new $1050 premium, or would it be smarter to put that money in the bank and pay for our own health care costs? In the last 20 years, we only racked up about $10,000 in health care costs. We can't afford that $1000 a month, but no choice with the new affordable ACA law. So, should we tell the government NO - or should we do our part and go bankrupt paying the premiums? . Yes - the new plan will cover more than our $300 a month old plan that did not comply with ACA.

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