As for Obamacare, if you currently have a health care plan, you will not have to pay a penalty for not enrolling in an exchange. Only those who don't have insurance and refuse to join an exchange will pay a penalty. That fine is to cover the cost of caring for people who use the ER for health care.
Believe me, those who already have health care are now paying extra for uninsured people whether or not you like it. Someone has to pay for their health care.