TH Katie, again left out the other bomb. If you decide to urchase YOUR OWN insurance from a private insurer, YOU PAY PAY an added tax for th privilege.On 3-1-13, obama instructed the IRS to start charging a tax AGAINST the insurance companies fo every policy they sell. The insurance companies will pass this tax onto the buyer, as every product selling business does. It can be as high as $120.00 per mo for a single person and up to $300.00 a month for a family of 4. This obamacare tax is in addition to the actual monthly premium premium.