At the moment, I'm addressing those punished, ie, those who lost health insurance because
of the massive price increase, & now must pay income tax penalties for not buying it.
There's no need to have that feature in Obamacare.
There is an important question your question does not address, nor 'bell the cat.' so to speck. Who and why is the price increase occurring now since the problem has existed prior to Obama Care.
There is the question of profit motive on the unreasonable increase in rates due to the requirement of insuring those with existing conditions.
Hint: This is the problem with all the proposed systems, Obama Care and the President proposed Republican plan.
Do you realize the major insurer in Canada is Blue Cross Blue Shield.
A significant part of the problem is the rate schedule used in the USA for Health Care facilities, which are not allowed in Canada. The profit motive for private health care facilities and insurance companies is the big, big problem and the elephant in the room.