That depends on who you are, what you have, and what you want to do. For many people, this would just mean lower credit limits and a delay in house buying plans

That depends on who you are, what you have, and what you want to do. For many people, this would just mean lower credit limits and a delay in house buying plans, if you had any. The bottom line for me is that, if I were a healthy young person, I would not pay for health insurance under this plan. Actually, when I was a young healthy person, I didn't pay for insurance - I went uninsured from when I was off my parents' plan until I was 29. So did lots of others. The case for buying health insurance is now far weaker than it was then.