Many See I.R.S. Penalties as More Affordable Than Health Insurance
Personal experience with ACA: As of 2016, we're onto our 3rd insurer.  Each prior one has dropped our local doctors, physicians groups and hospital.   With each insurance change, our deductible has gone up, our premium has increased and our co-pay, co-insurance has increased.In effect, our ACA plan has become an extremely expensive catastrophic insurance plan.