Hello, I am not understanding, why we get a penalty for not having insurance? I know that if I have a problem with my body I go to the ER if needed. Some check ups are not needed. I work Part time and make $8/biweekly an hr for Walmart. I do not qualify for their insurance. My checks will not cover the bills I have. I will be homeless if I have to try to figure out paying insurance each month, rent at $1121, power, car insurance, car note. i have not bought any clothes for myself in 16 years. I have no free time to do it. Working and taking care of my twins. I hate this plan. Not helping me at all.