Well, I keep hearing stories from friends they are losing health insurance from their employers and/or cannot afford to purchase it on their own. I guess the IRS will be busy enforcing the fine for many without insurance. And, how is someone on minimum wage suppose to pay the fine? This has become a fiasco before it even has been fully implemented in 2014. Liberals are starting to make comments like it was bipartisan. No it wasn't. This is all the Democrats. You got what you asked for I guess. BTW, where are the costs going down?