Obamacare math

I was just getting ready for the coming tax year and reviewing the coming Obamacare taxes. For tax year 2015, the tax for not having health insurance is 2% of your pay.

Reviewing the market prices at healthcare.gov, the cost for the cheapest Bronze plan is $280 a month, or $3,360 a year. For that amount of money, the insurance pays nothing on your behalf until you reach the plan deductible of $6,500. So, unless you are paying more than $10,860 a year in medical expenses, or you are making more than $168,000 a year, it makes more fiscal sense to just pay the tax and pay for your own health expenses out of pocket.

This means that the government is stealing another 2% of my pay every year, and giving me exactly nothing in return.