I think Companion Life/Pivot Health is 4 X 90 = 360. They are not guaranteed issue like Peterson, but they offer the renewals without the new pre-ex clause. Peterson is 3 X 90 = 270 but GI. If self employed you can add a low cost MEC plan....if Christian or even semi-religious, you can also get a low cost CHS plan from someone like Christian Healthcare Ministries. Call it double coverage or covering all your bases......but you have beat the system for a fraction of ACA prices if the pre-ex is not a problem.