I suspect her penalty won’t be all that much, maybe a $100 or so since she didn’t sign up.
I sincerely wish it had been the line for a LOT of healthy patriots. :-(
People have to do what is in their best interest. If your healthy these private insurance plans are a bad deal even with modest subsidies. What I find absurd is that hard working healthy people that can't shelter their income can end up subsidizing people that are financially better off..