Jailing the uninsured

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The House health reform bill would require all Americans who can afford insurance to buy it, raising a thorny question: What happens to those who opt out, then suddenly get sick, and stick the rest of Americans with their medical bills? President Obama supports a “penalty…high enough that people don't game the system." How high exactly? Republicans point out that the House bill specifies “a fine of up to $250,000 and/or imprisonment of up to five years.” Could Americans really go to jail for forgoing health insurance?
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http://www.theweek.com/article/index/102801/Jailing_the_unin...

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But what is really scary,

is for folks like us, who can't really afford health insurance, but will refuse to take the free govt. insurance. We usually go to a naturopath anyway, which isn't covered by insurance. Will we go to jail for not affording the insurance, and not taking the govt insurance? I don't see how they could do it, if one pays one's medical bills out of pocket.