I'm gonna have to purchase health insurance from my current employer due to the unavoidable cancellation of coverage of my spouses policy.. My employer premium is gonna be approximately $40 per week for flex spending account coverage with a $4000 deductible and this doesn't include dental or vision or do I decline and take the tax penalty and roll the dice?? I'm 36 and healthy.. Haven't been to doc since 2012 for the snip/snip and ENT for a small procedure.. Haven't been to family doc since 2011.. I only need to worry bout myself as my kids and spouse have coverage.. Do I pay the premium or tax penalty?? Btw I will pay more than the minimum penalty per ACA standards.. And my employer has a health/benefit clinic I can use for $50 a year w/o insurance intervention.. What would ingo do???