I was baffled by how my taxes would be affected by the 2013 affordable care act and how to plan for it. It turns out that I was not penalized as much as I had thought I would be. I would recommend anyone who wants to learn how the obamacare health reform affects them tax wise to download this free form https://www.taxact.com/affordable-care-act/aca-whitepaper.asp?sc=********** It has useful information that I am hoping is all accurate. It outlines what to do year by year.