Hm. I'd like to understand more. Why not just go back to your other health care plan? (or, I suppose, why not just pay the penalty?) Also, what circumstances le

Hm. I'd like to understand more. Why not just go back to your other health care plan? (or, I suppose, why not just pay the penalty?) Also, what circumstances lead to $13K a year? -- I'm only familiar with folks at the lower wage spectrum that are definitely not paying that and are getting much better coverage (read: any) than they would've 5 years ago. Thanks in advance.