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My daughter, son in law, two grandkids, and our youngest son have no health insurance, can’t afford it, must pay they penalty. It’s offered thru son in law job, can’t afford it. Too pricy. They had their baby at home. Couldn’t afford doctor or hospital. Baby #2 has to go for med treatments twice a week. No insurance. Midwife charged $4k to come to their house for birth. I paid the $4k for a midwife

Son #2, married, has health insurance. Can’t afford to use it. Co pay and deductibles too high. He makes $32k and monthly premium is $1k thru his employer. Too much. We r subsidizing them. We r retired. Fixed income. I am giving them my SS.
Third son, single, poor. His job has fewer than 50 employees, doesn’t offer health insurance. Goes on mission trips to Haiti, comes back with flesh eating skin infection, can’t afford doctor. Takes FOREVER To heal.
So he pays the fine for not having, not being able to afford health insurance.
We r retired. Kids were just fine BEFORE ObamaCare. Always had health insurance before OC.

I’ve been paying the fine for my husband, who is unemployed (mental illness basically unemployable), but is somehow expected to pay for health insurance. So we are self-pay for him, which ironically is way “cheaper” than if you have insurance, which are inflated prices. We did a gofundme for his hernia op a few years back. friends and family chipped in. I believe if we had insurance the co-pay/deductible would have been much higher than what we paid a surgeon and surgery center. Since your kids are self-pay they really should look into options such as religious group insurance, and also do the research on self-pay and shop around for doctors etc. Doctors do not like the insurance companies.
I would think the young children would be eligible for certain things? for instance when I was a single mom you could take your kid for free vaccinations and some other stuff to the health dept.