The law requires that you have health insurance, or pay a penalty for having it. It does not require you to use the ACA marketplaces. Please note that he didn’t use the marketplace previously, as he was covered by his wife’s plan. He has 3 choices; he can buy his health care through the marketplace, he can buy it himself, or he can choose to go without and pay the penalty.
Good explanation. With his wife leaving GS, their family income is likely taking an 80% plus hit, so I can’t blame him for looking for the best deal.
Understood but the price of insurance outside of the Exchange has gone through the roof. I don’t consider it a choice when the alternative will break the family bank.