I am a healthy person. One annual gyno visit, one mammogram, and one endocrinologist appointment is the only medical treatment I have all year long. And I certainly don't have $6K sitting around to meet that deductible if something catastrophic happens.
How hard is it to opt out of this stupid noninsurance anyway?
To answer your question, I am probably not the best person to ask. I am a veteran and use the VA and medicare. But since you asked, it is probably cheaper, since the "insurance" doesn't pay for your visits now anyway, to just pay the penalty (oops, tax). Since you are healthy, you'd be taking your chances on the catastrophic coverage but most catastrophic illnesses or trauma result in bankruptcy anyway, insurance or no insurance.
The liberals have screwed the medical insurance industry up so badly with this ineffective, unaffordable law that most people are in the same boat as you are. It is a shame. Every time the government gets their hands on something they think needs fixing, they just make it worse.