Knowing that Obamacare is on life support you would have to be out of your mind to willingly pay the fine.
The fine is collected by the IRS along with your taxes. When you file your tax return, you either have to lie about having health insurance (never a good idea to lie to the IRS) or the fine will be included in the bottom line for the amount of taxes owed.
If you have a refund coming next year, they will deduct the fine from your refund. If you write the IRS a check for your taxes next year, you will have to short them the amount of the fine and hope that they don't notice.
Most of the sheeple overpay their tax withholding and look forward to getting a refund when they file their taxes. Surprise! No refund for you this year. Here is how much more you owe.
It is purely a coincidence that it is all timed so that the sheeple will not find out how well and truly screwed they are until after the election.