This is a post without any political comments. 
I have some health issues that make working difficult. So my income is kinda all over the place. Obviously if I could hold a steady job this would be different. 
I signed up for a plan under ACA. It was expensive and not very good...I would still owe quite a bit if I went to the doctor.
That's not the problem. The problem is my monthly premium was based on this year's tax returns. In other words,  I got a discount based on my anticipated income that would change based on my tax returns. No non accountant would ever want to deal with that. Imagine getting an IRS bill for $12,000. I will take the penalty.