Originally Posted by swampjeep
my understanding is this:
do you have insurance through your work? will you next year?
if yes (more to the second part then the first), then you are fine.
if not, and you don't get on Obamacare, then you will be fined. and I believe the fine is less then what your premiums would be (added up over the year).
Not entirely true. Just because they have these exchanges set up does not mean you have to use them. You can still go out and talk with insurance agents on your own. You will not get any government subsidy doing that, but as long as the policy meets the requirement you will not have to pay the fine.
That is assuming that the insurance company is still writing individual policies. They may tell you to just use the exchange.