[Little Bill]

I was in line at the market and was talking to a fellow waitee. He was complaining that he could afford the 600+ premium but not the 6800 copay and afford to pay the penalty.

I told him to adjust his deductions so that he owes the gov at the end of the year.

[Alberta's Child]

If his premium is $600/month and he has an annual copay, it would be much cheaper to pay the IRS penalty even with the higher 2016 penalties.