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In response to "My wife is adamant that if you don't have work insurance, you're better off paying the penalty until you get sick, then just buy in. -- nm" by Mop on Mac Pro

What is some kind of urgent trauma happens where you need medical treatment?

I assume that opting-in doesn't happen overnight. Then you've paid the penalty, *and* you hung with the medical fees till the paperwork is done.

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