I'm having the same situation with health care. Under Obamacare, I make too much to qualify for the free health insurance. I do qualify for a subsidy, but that is in the form of a tax credit that I get back at tax time. I would still have to pay upfront for my insurance and there is no way I can do that. If they want to penalize me for not being "poor enough" they can go right ahead and do it. Ain't nothin' I can do about that.