I would suggest you go with the State Farm plan. Seems like the penalty for individual mandate might be delayed a couple years, anyway. So you are saying that the State Farm is not 0bamacare-compliant?
Just be sure that you are underwithholding a bit on your federal income taxes, so you have to pay a bit each April.
If you are a member of a faith community, I’ve heard good things about faith-based health care cooperatives, which are largely unaffected by and not subject to Obamacare mandates. Haven’t checked these out in detail myself, but it might be an option for you if you qualify and just want catastrophic coverage.
Of course, being faith-based, there are varying requirements, such as being a practicing adherent - attend church meetings regularly, be in good standing/membership with a congregation, etc., - but many people already qualify in this area. Just an idea.
If I were you, I’d take the cheaper plan and then when the IRS asks you if you have an Obamacare compliant plan say “yes” and then let them look it up if they’re worried about whether it is or not.....
Frankly, I don’t think they have the resources to go backtracking and verifying everything.
You must realize that what you are asking for is now “illegal” under Obamacare.
The exception is.... if you had a plan that you wanted to keep but couldn’t because it was not compliant with the law and then was changed by an announcement that said you could keep you plan that was already cancelled. In that case, you can get an illegal plan. You know, the one with just catastrophic coverage, high deductible and real low premium.
(apologies in advance for the cynical nature of my reply)
The entire ACA MUST be a plan to force the US into Universal Care as there could never be a mess up this bad by accident -— it has to be by design!