Seconded. I paid a ~$450 penalty for not having health insurance for calendar year 2015. The very cheapest health plan in my ZIP is $1,932 a year. It has a $5,0

Seconded. I paid a ~$450 penalty for not having health insurance for calendar year 2015. The very cheapest health plan in my ZIP is $1,932 a year. It has a $5,000 deductible, $300 emergency room copay, $25 primary care co-pay... basically it's just as bad as no health insurance at all. Why spend the $1,500 extra?