I urge everyone not to sign up for Obamacare. Don’t pay the fine. Don’t call a “Navigator” and risk getting your financial and personal data stolen. Just ignore the law. Get a prepaid debit card, fund it, and use it for medical payments.
And what happens if you have to spend a few days in hospital? That could easily run into the tens of thousands of dollars. I’ve carried health insurance my entire adult life because I don’t have tens of thousands just laying around in case I get seriously injured or sick.