What tax refund? I always work it so that there is no refund, I usually pay in. Anyone can do this, so the plan of “don’t get health insurance”, “Pay the fine”, “sign up when I get sick “ is sill the cheapest way to go.
They will eventually need to ramp up the threats/penalties, but so far they have not hit on a punitive/effective set of rules.
Harry Reid told Greta last night that people aren't going to cheat on health care. NO, he really said that!