I am currently looking at a private health insurance plan that does not qualify as major medical according to ACA mandate. I guess because it doesn't cover things like mental illness, alcoholism, pregnancy, and wellness. Other than the wellness I will never need these other things covered. But as I understand it the only way the government can make you pay the penalty is through your refunds. They can't garnish your wage or retirement income or put a lien on your home. Any retirees out there using private plans other than obamacare and how has that worked out for you?