The penalty has already gone away. Trump suspended it in his first term and Biden did not restore it. The law is still there but it’s not enforced.
Lots of Americans should self insure. Spending 1200 dollars a month only to have to spend 5000 dollars before copays and then getting a 50% discount is a stupid amount of money for a trivial benefit. You might as well put that 1200 dollars into a savings account and then at least you have 3-30k depending on how long you go before needing care.
The penalty has already gone away. Trump suspended it in his first term and Biden did not restore it. The law is still there but it’s not enforced.
Lots of Americans should self insure. Spending 1200 dollars a month only to have to spend 5000 dollars before copays and then getting a 50% discount is a stupid amount of money for a trivial benefit. You might as well put that 1200 dollars into a savings account and then at least you have 3-30k depending on how long you go before needing care.