With the Affordable Care Act, Medical (in California) is extending coverage to low-income people under age of 65 , who weren’t eligible before. We all know that by law everyone is supposedly to have health insurance.
Being a student with no or little income , I automatically qualify for Medical plan (aka free health insurance). Note that they didn’t give an option “to-buy-a-plan”. One of the fine print of Medical is that they may recover the costs from care beneficiaries 's estate after they die.
From my understanding, if I can’t afford a plan they will give me one for free and recover the costs later. It is like forcing me to buy a Lexus with a lifetime deferred payment. I don’t have an option not to buy a car , or to buy a Toyota only when I really need it, say when I am 40 for example.
Did I miss something or I understand the scheme correctly ?