The Affordable Care Act (ObamaCare) will require most Americans to obtain health insurance beginning January 1, 2014. You can be subject to a tax penalty if you fail to do so. If you don’t get health insurance from an employer or a government program, you are required to obtain it from a health insurance exchange, an online market where you can choose among competing health plans. If the administration’s estimate is anywhere near correct, three-fourths of the uninsured will ignore this mandate.
Those who do enroll may not be happy with their experience. We now know quite a lot about how these exchanges are going to function and the picture doesn’t look good.
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