What a farce. Forced insurance is all this is. Think you can't afford ever escalating health insurance payments? Maybe all you need to do is sell your home and rent a cheaper apartment. That may be what you have to do in order to afford your mandated insurance payments. In Massachusetts a Person making 29k pays up to a third of their income on this forced insurance. Does anyone really doubt that these premiums will continue to rise endlessly? There will be three things we can't avoid in life, death, taxes and health insurance premiums.