So, when the A.C.A. fines kick in...

[Ms. Toad]

94. Vaccinations are preventative care.

And those are all covered without you paying a penny. The whole point of preventative care is to prevent smaller problems from becoming larger problems. All insurance plans in the marketplace cover basic screenings which can catch many easily and cheaply treatable conditions. And unless you enjoy spending far more than $6350 a year when the diseases being screened for get out of control and cost massive amounts to fix, that is not nothing.

And like I said - when I was earning $20,000 a year all I had access to was insurance which cost $5-600 a month, and I would have jumped at the opportunity to buy insurance which cost $90 a month. At that point I had already been through a 30 day hospital stay which cost around $50,000 (today that same stay would cost closer to $200,000). When I had that hospital stay I was insured, so insurance covered most of it - but the reason I was uninsurable and without insurance when I was only earning $20,000 was that the insurance companies were afraid it would happen again. Being reassured that I my maximum medical debt would be $6350 if it happened again, for me, would have been worth every penny.