Q: Why should a young, healthy, single person who makes $45,000 (and gets no subsidy) buy insurance? The premiums are well above the penalties. And if he gets sick, he can just join a plan at that point.
A: Remember that open enrollment is only for select periods of time each year. The first year it's for six months, and in subsequent years it is for three months. So if he doesn't have coverage and gets sick, he might have to wait until the next enrollment period to join a plan.
Q: Will Obamacare ever be less expensive than an employer-offered insurance plan?
A: Generally, employers pay a significant portion of the cost of health insurance. So most workers offered coverage are likely to pay less out of their paychecks by sticking with their employer plan.
Q: How does the new health-care plan affect military retirees?
A: It does not impact your military retiree health coverage.