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yeah, the $99 is the 1st year penalty, hadn't looked deeper into 2015+
point is, the entire system hinges on those 2.7 million young people, who don't need nor have used med insurance benefits to buy in.
i hope it works but trying to put myself in the shoes of a <25 year old healthy person who's never required medical attention, and living paycheck to paycheck, not sure if that sort will bother to sign up.
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