Husband and wife filing jointly and making adjusted income of $50,000 get a $1,372.00 fine.
The penalty is the higher of 2.5% or $695 per person, so by my calculation that’d be $1390. Not much different from your figure of $1372, but I’d be interested in how you got that.
If you bought an Obamacare policy without subsidies, it’d cost a lot more than $1,372.00, and you still have high out-of-pocket expenses.
If you don’t buy a policy, you’re gambling that you won’t get a catastrophic illness, but for a person in reasonably good health, I’d take it, given how expensive and bad Obamacare is. And if the illness is something that doesn’t require immediate big expenses, there’s always next year to buy a policy to cover it.