Businesses. Trouble. They will have to prove that they are applied to the group. How much time and effort will that take . This will take a lot of time. 90 of people will ultimately qualify. For many, it will be back and forth with a lot of paperwork. The fines are not small. 2 of your adjusted gross income. More penalties for each of your uninsured children. Adam what happened if i decide not to pay . Arent those penalties dependent on whether or not i get a refund . That is right. You would be building up a debt with the irs. What if i never get a refund. You are outsmarting them. The employers are also facing big problems. They will have to provide this obamacare compliant insurance. Or pay a fine that is 2000 per uninsured employee. Retailers that have large workforces are going to really feel this. It will add about 1 per hour. The businesses, if they decide not to pay for their employees, they will be more directly, it will be much harder for businesses to avoid paying. Absolutel