"The bizarre result is an incentive for families to skip buying coverage, and pay a fine that is only a small percentage of their premium costs. They'll still be able to get insurance on demand from the exchanges should they have a big medical problem. That's like being able to buy insurance on your house after it burns down. This kind of system will not make insurance costs lower.
Some supporters of the House bill say that, while the legislation doesn't tackle health care costs, it's still important to reduce the number of uninsured. Their reasoning goes: The pressure of adding 30 million more people to the system, coupled with the unsustainable cost trends, will eventually force Washington to deal with real health care reform."