I agree the PPACA would kick in so the person would not pay nearly as much for insurance as the playspent.org game indicates.
I've worked through the game several times. I remain disappointed that the game seems to rigged against making good decisions. For instance something came up that indicated my child was eligible for advanced learning classes but there would be fees associated with allowing the child to participate. The choices were to 1) pay the fees, 2) apply for a scholarship, or 3) ignore the advanced learning classes. I chose to apply for the scholarship. That turned out to be a bad choice since the game then said that I had to take a day off of work to fill out the paperwork for the scholarship, which made my boss angry, so I received a "strike" against me. Doh! In real life I would have realized the paperwork was going to require time away from work so I would have arranged an alternate approach.
I'd like to believe the playspent game is a useful tool but it does not allow the participant to make informed decisions. Rather is seems to take a random walk down Main Street and applies a series of bad scenarios to situations that are already questionable.
Somebody should make a Richest Man In Babylon game which allows the player to make choices in difficult situations that have the chance of leading to positive outcomes. This type of game would demonstrate that you are responsible for your own destiny to a great extent and good decisions can lead to good results. Instead, playspent seems to indicate that good decisions and poor decisions both lead to homelessness although poor decisions will get you there more quickly.
Dreamin' of Streamin'
FIRE'd at 52 on 7/8/11