fine - Definition from the Merriam-Webster Online Dictionary
3 a : a sum imposed as punishment for an offense b : a forfeiture or penalty paid to an injured party in a civil action
Even the language in the bill calls it a fine, what is it with people and reading comprehension.
And why would be fined for this hmmmm?
Because you don't have insurance, if anything your arguing over semantics and not reality as there is no threat of fines or imprisonment until they made it illegal to not have insurance.