Forget that new MacBook, your tax refund is now an involuntary offering to the IRS coffers. If you don't have health insurance and you don't buy ObamaCare, the IRS will start off by taking $95 or 1% of everything you made from your tax refund, whichever is higher. But that's just the beginning. As the years progress, the IRS will take a higher percentage of your tax refund if you're without health insurance or ObamaCare. If you're too broke to buy insurance, you're getting fined! Awesome, right?