By Rick Newman
Taxes are bad enough when you know they’re coming—and much worse when they arrive unexpectedly.
As the Affordable Care Act enters its second year of operability, a key and controversial element of the plan will begin to affect several million Americans for the first time. People who didn’t have health insurance during 2014 may soon have to pay a penalty fee that starts at $95 and goes up based on how much you earn. Some Americans know about the penalty, and they’ve budgeted for it or at least accepted its inevitability. But several million others could be in for a rude surprise when Washington assesses a fee they didn’t even know was coming.
The uninsured rate has fallen since Obamacare, as the ACA is known, went into effect at the start of 2014. But there are still roughly 40 million adult Americans who lack health insurance, according…
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