Reports are coming out now that say the cheapest Obamacare plan for a family of four, costs around $20,000. If that family does not sign up for Obamacare, and just pays the penalty it calls for, (oops, the Supremes say that's a "tax" now)... then how much to they pay? BTW, they pay the penalty only if they are due an Income Tax refund on April 15, right? If they have to write the govt a check on April 15 instead, then the govt can't charge them that Obamacare penalty. So, is that family of 4 better off financially if they don't sign up for Obamacare? And if one of them does get sick or injured, then they can sign up at that point, and the Obamacare insurance company must take them, even though the sickness or injury is now a "pre-existing condition". So, what's the best deal, dollar-wise? Pay $20,000 for Obamacare, or pay only the penalty on April 15 (which might be zero), and then sign up later if you get sick or injured and pay only that fraction of the $20,000? After you are cured, then of course you drop the Obamacare policy immediately, to minimize what you pay... until the next time you get sick.