In Medicare part B and part D if you do not take the insurance when you are first eligible for it and at a later date decide you want it, to get it you have to pay the cost of premiums from first eligibility to the time you want to take it. Now, in Obamacare you do not have to take insurance but can pay a nominal fine for the first few years, then it will grow to more than the premiums. Now the question. If in Obamacare you do not take it when first available and at a later date try to sign up, will you be penalized all those premiums you would have paid like in medicare? I have not heard anything about this, just wonder if it is in the law.