Phil Kerpen

In fact, if you're a young, healthy person, the only good argument for you to buy into the new health insurance system is that you are required to do so, forced by the individual mandate as a matter of law. But the Supreme Court let you off the hook for that last year when they found that the only way for the mandate to be constitutional is if it is simply a legally neutral choice between spending thousands on insurance or paying a $95 penalty tax.

So it's up to you. Spend thousands of dollars on health insurance you don't need, or pay a simple $95 tax. Don't get scammed by the fancy sales pitch. It's an easy choice.

Phil Kerpen

Phil Kerpen is president of American Commitment, a columnist on Fox News Opinion, chairman of the Internet Freedom Coalition, and author of the 2011 book Democracy Denied.

American Commitment is dedicated to restoring and protecting America’s core commitment to free markets, economic growth, Constitutionally-limited government, property rights, and individual freedom.

Washingtonian magazine named Mr. Kerpen to their "Guest List" in 2008 and The Hill newspaper named Mr. Kerpen a "Top Grassroots Lobbyist" in 2011.

Mr. Kerpen's op-eds have run in newspapers across the country and he is a frequent radio and television commentator on economic growth issues.

Prior to joining American Commitment, Mr. Kerpen served as vice president for policy at Americans for Prosperity. Mr. Kerpen has also previously worked as an analyst and researcher for the Free Enterprise Fund, the Club for Growth, and the Cato Institute.

A native of Brooklyn, N.Y., Mr. Kerpen currently resides in Washington, D.C. with his wife Joanna and their daughter Lilly.