You’re a 26-year-old single dude, holding down a pair of part-time jobs tending bar and painting houses, and making about $24,000 a year. Thanks to Obamacare, you can finally get decent health insurance, just like people with full-time jobs at large companies do. But when you go online to check out your options, you see that even the cheapest “bronze” plan, which has high deductibles and co-payments, will cost you about $100 a month. Obamacare’s penalty for carrying no insurance next year is less than one-tenth of that. Do you buy the insurance anyway?