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don't you get a tax penalty if you aren't insured for 100% of the year?

That got remove in Trump's first term.

US voter math: remove penalties/taxes + increase benefits = everything is fine

Thus solving the problem.

The penalties were extremely unpopular and affected poor people the most.

I know the economic idea, but it is not a good mechanism for society.

The expanded Medicaid was supposed to take care of poor people, but several states refused to implement that.