So the Supreme Court is reviewing whether it will amend laws to prevent Congress from cutting out the Affordable Care Act – the pride and joy of Barack Obama as well as the brainchild of Mitt Romney since he implemented a similar program in Massachusetts.

One of the most important reasons why people want ObamaCare gone is because it punishes those that don’t buy insurance by levying a tax on them. Low-income families enjoy a subsidy to cover this insurance, but middle-class families don’t get those subsidies.

People can opt out of insurance without paying taxes to the government right now. But what happens when you get rear-ended by a drunk driver or accidentally slip on top of the staircase? What if your children accidentally ingest poisonous chemicals from the kitchen cabinet or if you develop some serious disease later on in life?

You go to the emergency room while absorbing five, six or even seven-digit treatment fees.

For a middle-class family, that’s money they simply cannot afford. They then only have two viable alternatives: one, get crushed under a mountain of debt for the rest of their lives or two, declare bankruptcy.

Sometimes the latter option is the only way these formerly middle-class families can continue living a decent life, and in the end it is us – the taxpayers – who have to pay for their bankruptcy. Those who cannot reasonably afford insurance with their incomes are exempt from the program, but those who can afford it and choose not to get it should pay taxes for the risk their decision poses upon the American economy.

After all, it is the government that ultimately pays for bankruptcies with money it collects from you and me. Case in point: $56 billion was taken out of the federal budget to pay for the bills of those who opted not to get insured, which in turn caused taxes, insurance premiums and hospital charges to go up in reaction to the financial bleed-out.

That ought to put the cost of skipping out on insurance in perspective.

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