So here is how I see this, I work for the state and they need to cut budget, I took a job that said I get x benefits plus salary. With this happening the state can now stop health INS for all of us, the penalty is less than our premiums. They show a net savings, the penalties go to fund Medicaid. I make too much to qualify for Medicaid, almost everyone does. Now I must completely pay for my own Health INS out of pocket and take home less money, or pay a penalty myself which again funds Medicaid that I do not qualify for. The kicker is also because I belong to a group of people that pay the same INS we get it a greatly reduced cost, now with the state not using UHC and just funding Medicaid (again which I don't qualify for) I am also forced to pay more than my employer paid for the same policy because I will purchase at the individual level, UHC will not keep a group together. They stand to make more money at the individual level. And if you think the private sector will not follow this, you are naive. The penalty is set up to be less than most premiums. This is the biggest factor of why this bill is garbage. The penalty should be 5x the premium so it would be a bad business decision for the company to not offer you the benefit of health INS as part of your salary. Right now as it stands it's a great business decision to drop millions from their plans and add money to the bottom line. The middle class gets fucked again and the fucking losers of the country get Health Care.