Uh huh. Suuuuure.
How many of those ‘80%’ who paid have paid for months 2, 3, 4 and so on? How many had an extra $100 to $450 (depending on subsidy level) in disposable income *per family member* for each month and can *sustain* this new, extra cash outflow from the household budget month after month and year after year? Virtually zero, I would guess.
My strategy would be: a) sign up, b) cram care for all of your neglected health issues into one month, c) stop paying for month #2; d) pay fine anyway for being without insurance for 11 months; e) rinse and repeat for next year.
This would only be an effective strategy when your neglected health issues exceed the deductible, which in most cases exceeds $10,000.
You haven’t looked at how astronomical the deductible is on most Obamacare plans. Even doing that most people even with neglected health needs will wind up paying nearly everything out of pocket.