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I will have to plead being naive in this field. I started to ask this question at a local hospital and at my physiatrist office. They all came back with the statement I quoted above.Obama Care said:
ObamaCare’s individual mandate requires that most Americans obtain health insurance by 2014 or pay a tax penalty. The individual mandate went into effect at the beginning of January 2014 and continues each year. The penalty for not having coverage will be paid on your Federal Income Tax Returns