Comment: The language is fairly clear. No penalty on any ISSUER.

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In reply to comment: It doesn't apply to citizens. (see in situ)

The language is fairly clear. No penalty on any ISSUER.

We can't be forced to buy the insurance, but individuals can be penalized or fined if they don't because the exemption from the penalty or fine is only for the insurance companies (issuers) who refuse to participate.

"Bend over and grab your ankles" should be etched in stone at the entrance to every government building and every government office.