Wrong in a couple ways.<p>First, it&#x27;s the <i>higher</i> of the per-person fee of $695&#x2F;adult, $347.50&#x2F;child, to a maximum of $2,085 <i>or</i> 2.5% of income up to the average annual price of a bronze plan on the exchange ($2,448 in 2014). Not &quot;plus&quot;, and there are sensible caps.<p><a href="https:&#x2F;&#x2F;www.healthcare.gov&#x2F;fees&#x2F;fee-for-not-being-covered&#x2F;" rel="nofollow">https:&#x2F;&#x2F;www.healthcare.gov&#x2F;fees&#x2F;fee-for-not-being-covered&#x2F;</a><p>Second, that&#x27;s the price of not having <i>insurance</i>. You can have insurance and not see a doctor (and this is a fairly common choice for folks with a sky-high deductible).