Quote Originally Posted by Thondalar View Post
This is exactly what I'm doing. I don't get a tax refund anyway, so they can shove their little penalty up their ass.

Under any circumstance but catastrophe I wouldn't reach my deductible in a given year anyway, so I just made my own little HSA (aka separate bank account) and pay out of pocket for checkups and whatnot.

I wonder how many people have really analyzed their shiny new ACA plans.
What happens if you need surgery next month or find out you have cancer and need treatment right away?