You may be paying for it, at least in part, but you are not collecting any benefits as of yet.
You need to join an exchange to be covered.
That is what I refuse to do. I’ll taker my chance with the IRS penalizing me,. and then I’ll fight, fight, fight.
just make sure you change you employee withholding amount
If you are usually due a REFUND at the end of the year, don’t expect to get it back after they ‘fine’ you