Will you agree to be forced in or opt out?
I'll pay the tax/penalty to opt out. A person receives faster and better care by paying cash - and generally it costs less than insurance premiums and deductables. In addition, a couple of specialists/doctors we use do not accept patients who pay via the government (medicare/caid) or certain insurance providers so we'd have to pay out-of-pocket anyway. Another doctor offers treatments that insurance companies/government will not reimburse. Fortunately we can afford to do so.