RCA, you have the option to file separately but in most cases it will benefit you to file together.

From the people I have talked to, individuals like you seem to be the most effected. Guys that had insurance to cover catastrophic events (high deductible plans). They are the ones being forced into more expensive plans.

To top it off, just heard on the radio the insurance industry isn't interested in extending everyone's plans 1 year while the bugs get worked out. Why? Bc they are about to cash in on guys like you while the ACA takes the blame. Administration screwed up this roll out but hopefully they can find a way to work together to iron out the issues.