Obamacare: how much was it to blame for the loss?

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32. the Obamacare subsidies are based on income

you can afford the amount you are assigned based on studies of income and expenses. The government has these studies for all sorts of purposes, from bankruptcy cases to child support cases.

So people who claim they can't afford it are incorrect and just don't want to pay for their share of the premium even. Which is weird because it sounds like they expect to have the equivalent of Medicaid, where they pay nothing and everyone else pays, yet they make too much to be on Medicaid.

maybe they want to spend the money on something else, but the mandate says you have to be responsible enough to buy medical insurance you can afford and contribute to the system like everyone else.