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You have a choice to either have insurance or pay a $95 fine/tax. You also have a choice to obtain your insurance through your employer, or purchase a private policy, or purchase a policy through a government insurance exchange (which may or may not be subsidized depending on your income).
Is that simple enough? Is that going to cause the ruination of our economy or healthcare system? Some seem to think so, although I can't imagine why.
That penalty will be 7 times that amount in a couple of years.
Will the subsidy cover the total premium as well as the deductible?
Will your current doctor be in the government exchange?
How does the cheapest Ocare plan compare with what you have now?
Will your out of pocket expense be the same, less than, or greater with Ocare?