But the biggest danger to Obamacare’s survival is that many individuals who do not receive insurance from their employer will choose not to insure themselves and will instead pay the fine of just 1% of income (rising permanently after 2015 to 2.5%). The preferred alternative for these individuals is to wait to buy insurance until they are ill and are facing large medical bills.
但奥巴马医保能否成功的最大威胁在于大量没有从雇主处获得保险的个人将选择不为自己保险，而选择支付占收入1%的罚金（2015年后将永久提高到2.5%）。这些个人的偏好选择是等到有病、面临大额医疗账单时再投保。