hmm yes. but it doesn't penalize you but rather offers some deductions IMO.
for example, i've already seen many more allergy pills which has generic counter parts. i've been able to reduce my monthly allergy medication by quite a bit.
edit.. you CAN opt out. but will have to pay if you need to pick up insurance to seek medical care. <---makes sense to me.
Last edited by sapient007 : 06-28-2012 at 12:06 PM.