Just last week, initial Affordable Care Act sign-up numbers were released, and they were a lot lower than expected. Just under 27,000 people signed up on Healthcare.gov in its first month of service.
Many people have considered taking the $95 fee associated with not signing up for health insurance at all, but experts say that may not be the best option.
Between 2014 and 2016, that fee is expected to increase dramatically.
The fees will rise to $325 by 2015, and to $695 by 2016.
"People have to understand: this is a tax penalty that the IRS will collect. This is not insurance," says certified local navigator Patrick Kelly. "You'll have to pay the penalty and still not have insurance, meaning you're still at risk for costs associated with a health emergency that [you] occur in that year."
Open enrollment for 2013 health insurance coverage closes on March 31, 2014.