Why Do We Have To Buy Health Insurance? 
The PPACA or better known as Obamacare is a mandatory federal program where all Americans are to participate or pay a penalty . The program begins in 2014 . All Americans will participate in Obamacare , but not all will pay the full premium or may not pay at all based on means testing . The middle class may receive some credits to offset the premium , but for many low or no income Americans , theyll simply pay nothing . Keep in mind that almost half the country does n't pay federal taxes , so any short fall generated from Obamacare will fall to federal tax payers . 