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Ok Ray, you win, you are bad as sed. cheers.
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Some of us have lived, or are living, low-income lives. Don't assume others are talking out of their asses because they don't act like life is hard.
Yes, some people will never take on the extra cost of health insurance, even if it's $10 a month. I'd wager a lot of the people who get a heavy subsidy will end up getting coverage because it's the right thing to do. In my experience, most people do the right thing.
Don't underestimate the power of the government to harass you into buying healthcare. Don't be surprised to hear about Obamaphones ringing with navigators day and night until they sign up. Don't be shocked to see food stamps and SS disability require health insurance as a prerequisite. Wait until the media and advertising blitz starts, and tell me you think people will ignore it.