Obamacare is a wealth transfer scheme; from the young to the old, from the healthy to the unhealthy, from those that don't want acupuncture and maternity services to those that do, etc, etc.
Given a choice between paying $500 a month or $95 a year, what will the young, healthy, and poor do? And when they go Galt, the system collapses (ahead of schedule).
So Obamacare needs to add another subsidy (ben bernanke's printing press to the poor and middle class) so it doesn't look like as bad as it is. But to know how much subsidy, you need to collect the user's information and integrate with a dozen antique computer systems first.
It’s not $95 a year
It’s only $95 if your income is less than $9,500 a year.
Otherwise it is 1% of your income the first year, which then becomes 2% and then 2.5% (if your still under the $10,000 or so a year the fine is $695 by then)