There are a variety of prescription savings clubs that the uninsured can join for a nominal fee, like with CVS, Walgreens, etc. Hubby’s medicine used to cost us 20 bucks when we had insurance, but without it would have been $252. With the prescription card, we pay about $132.
Insurance saved us a lot, but since we were paying over $600 for a family of 3 (including our 25-year-old daughter) just to be covered, we never really spent what we put into it. We certainly can’t afford ZeroCare’s price of $1250/month just for the 2 of us, so we probably won’t be insured again until we hit 65.
Be sure to underpay your income tax.
I believe garnishing tax refunds is currently the only mechanism in place to collect the fines.