At first I thought it was a good idea but then the insurance companies were allowed to set their rates too high and the coverage too low. I ended up not being able to justify paying thousands for health care on the off chance something serious happens. Well care went out the window completely. I am opting for the penalty and will pay cash for a doctor visit if I have to. I don't have any serious illnesses so this is the most reasonable option. Insurance companies were allowed to ruin a very good idea. I am pro social Heath care all the way.