many many americans agree with your perpective and oppose obamacare. you raise a very good question about the individual penalties under the law. the answer is that you will not be penalized if you buy insurance outside the exchanges. as long as you have health insurance coverage even if it is coverage you purchase outside an exchange you should not have to pay a penalty.
i oppose the obamacare concept and strongly oppose being forced to buy insurance or be penalized. . that said if i find insurance outside of the exchanges will that enable me to avert the penalty part of this law?