1. Define penalty and incentivize as used in the article.

2. How will the costs for health insurance and the penalties incurred for Americans who choose not to buy health insurance change in 2015? Be specific.

3. a) Who will be hurt the most by the increased penalties in 2015 for choosing not to buy health insurance?
b) Why is this so?

4. a) Define loopholes and exempt as used in paragraph #10.
b) Who can use a loophole to get out of paying the penalty? Who can’t?

5. Describe the increases many Americans who currently buy health insurance will incur in 2015.

6. How has the Obama administration changed their estimates for the number of Americans who would purchase health insurance under Obamacare in 2015?

7. a) According to a recent poll, what percent of uninsured Americans know that open enrollment starts on Saturday?
b) What is open enrollment?
c) What percent of uninsured Americans know nothing or just a little about the Obamacare marketplaces?
d) What are the Obamacare marketplaces?

8. a) Laura Adams of InsuranceQuotes explained, "Until people understand the financial consequences, they don't have an incentive [to buy health insurance].”
In other words, _______________________________________________________.

b) From para. 11: “Despite the government's push to get Americans enrolled in health-care plans, a significant number remain uninsured.” Why do you think this is so?
c) Ask a parent the same questions.

9. a) Ask a parent how Obamacare has affected your family: provided better more affordable insurance, given your family the opportunity to finally get health insurance OR increased costs and hurt the family budget…
b) Ask a parent: Do you have a favorable or unfavorable view of the Obamacare law? Explain your answer.

CHALLENGE QUESTION:
Explain the irony of describing the Obamacare penalty as an incentive.