Reply #105: It is sensible, acceptable and necessary.

[lumberjack_jeff]

In a system which relies on insurance, the uninsured are a systemic problem - EVERYONES problem.

But the penalty isn't high enough to serve as an effective deterrent. The conscientious people will pay upwards of 10%. It's still cheaper to rely on the kindness of strangers.

Don't worry, if you make less than 400% of FPL, you can buy public insurance, subsidized by uncle sam.