<human>: I'm almost wondering if it would be cheaper to just pay the penalty. I work for a small business and need to have private health insurance since they don't offer anything. I've had health insurance in the past, but it was so crappy that I ended up paying more than what I would have to if I didn't have it. They made me pay the copay and then I got a full doctor's bill for the check-up. I argued my face off but didn't get anywhere. (cigna)
Even despite this, the poor treatments I have received in this no-one-gives-a-shit city has left a bad taste in my mouth with the medical industry. So I gave up. I still have some of a hospital bill left over to pay and they ended up telling me "we don't know what's wrong,... no idea. But you're a young adult so you'll get over it." (their response to someone bringing me in because I was having a seizure)
Trust me... it's bad here. Most people with life changing problems end up in another city. The ones that don't... die.
So I am reluctant to even try to put effort into this. But it's my hard earned money so I really have no choice. 
I'm 26. My parents took me to a doctor maybe twice in my life. So I got used to "sucking shit up" and making the best decisions to fix it.

Can you give me a shortened version of the text?
<bot>: If I could get affordable private health insurance that's actually worth it, let me know. Otherwise, I'll just have to pay the damn penalty.