No issue getting the exception. These programs are explicitly mentioned in the ACA regulation and tax prep software supports them. No guarantees. You can't tak

No issue getting the exception. These programs are explicitly mentioned in the ACA regulation and tax prep software supports them. No guarantees. You can't take anyone to court to make them pay your bills. However, if you don't make your monthly payment, you've effectively cancelled your membership and the person who was supposed to receive your check gets it from someone else so they're still made whole. Personally, I am more comfortable with the risk of a long-running voluntary system failing than I was with the risk of insurance deciding to screw me on coverage, accidentally getting out-of-network care, etc. But I looked into it for a couple of years before I reached that conclusion.