I read it as: if you don’t have or let your HCI lapse, you get fined 30%. 30% of what I don’t know.
This is what Rand Paul was talking about.
Listening to a guy on Fox now - he's saying that if folks "let it lapse" or don't get it until they need it, they can no longer game the system by paying the same as everyone else if they decide that, now that they need insurance, they should be able to get it at same cost. Makes perfect sense if you think about it. If they want to gamble with their insurance, and lose, it's their tough luck. It has to lapse for 2 months before the higher cost kicks in.
Satisfied?