I am not lying, it is not a family member or friend…just curiosity! If a family with no insurance,for whatever reason, has no insurance, a member of the family suffers a catastrophic medical emergency, can that family sign up for obamacare? If so, do they pay a hefty fine and then be covered ? And does obamacare cover the recent Dr. and hospital bills for the recent catastrophic circumstance? Or are they out of luck ,so to speak?