Paying for health insurance

I'm paying $300 per month for short-term health insurance for me, my wife, and her son, but it's not Obamacare approved so I am subject to the income tax penalty. Still, it will be cheaper than buying a government approved plan. We're all healthy (knock on wood) so I don't have to worry about pre-existing conditions. I'm going to retire next year and I think my income will qualify for a nice government subsidy on their plans until Medicare kicks in unless Congress repeals the Affordable Care Act. I can't say Affordable with a straight face.