The individual is not required ever to purchase “health insurance”. Instead, payment of an annual fine in lieu of approved “health insurance” (really a protection racket) is a viable option for a while, until the fines get as high as actually buying the “health insurance” coverage.
In Islamic countries this is called “jizya”, a tax on the Dhimmi class paid to the Islamic authorities. You are allowed to not practice the Islamic religion, but only at a price.
Ugh!