Uh huh. Suuuuure.
How many of those ‘80%’ who paid have paid for months 2, 3, 4 and so on? How many had an extra $100 to $450 (depending on subsidy level) in disposable income *per family member* for each month and can *sustain* this new, extra cash outflow from the household budget month after month and year after year? Virtually zero, I would guess.
My strategy would be: a) sign up, b) cram care for all of your neglected health issues into one month, c) stop paying for month #2; d) pay fine anyway for being without insurance for 11 months; e) rinse and repeat for next year.
You make a good point, well worth posting twice!