You're probably better off with no insurance at all:
These types of plans were nixed under the Affordable Care Act, which required all insurance policies to contain 10 essential benefits and disallowed so-called “skinny” plans that provide little beyond basic catastrophic coverage, if that.
Association health plans were green-lighted again under an executive order signed by President Donald Trump in October 2017, which was seen by many as a way of undermining former President Barack Obama’s ACA. But the plans also come with a host of caveats. They make some observers nervous because in the past association health plans have produced substandard policies that left some patients with big bills or skyrocketing premiums.
All insurance "pools" are a rarefied version of a Ponzi scheme, but these association health plans are even more so. There's simply not enough money in the pot to pay off all the losers if there's even a slight bump in the percentage of catastrophic health treatments, and the fact these "skinny" plans don't cover well care visits or other prophylactic measures actually increases that likelihood. Instead of fast-tracking boondoggles like this, which will likely only be tempting to those who make over the ACA subsidy threshold, the NCGA should be expanding Medicaid to cover those in the gap. And before approving AHPs, they need to wait and see how the courts and Federal government decide this issue: