More ObamaCare Disaster: What Is Plan B?

From the Denver Post: Dean Griffin liked the health insurance he purchased for himself and his wife three years ago and thought he'd be able to keep the plan even after the federal Affordable Care Act took effect.
But the 64-year-old recently received a letter notifying him the plan was being canceled because it didn't cover certain benefits required under the law. The Griffins, who live near Philadelphia on the Delaware border, pay $770 monthly for their soon-to-be-terminated health care plan with a $2,500 deductible. The cheapest plan they found on their state insurance exchange was a so-called bronze plan charging a $1,275 monthly premium with deductibles totaling $12,700. It covers only providers in Pennsylvania, so the couple wouldn't be able to see the doctors in Delaware whom they've used for more than a decade.
"We're buying insurance that we will never use and can't possibly ever benefit from. We're basically passing on a benefit to other people who are not otherwise able to buy basic insurance," said Griffin, who is retired from running an information technology company. The Griffins are among millions of people nationwide who buy individual insurance policies and are receiving notices that those policies are being discontinued because they don't meet the higher benefit requirements of the new law. They can buy different policies directly from insurers for 2014 or sign up for plans on state insurance exchanges. While lower-income people could see lower costs because of government subsidies, many in the middle class may get rude awakenings when they access the websites and realize they'll have to pay significantly more. Those not eligible for subsidies generally receive more comprehensive coverage than they had under their soon-to-be-canceled policies, but they'll have to pay a lot more. Because of the higher cost, the Griffins are considering paying the federal penalty—about $100 or 1 percent of income next year—rather than buying health insurance. They say they are healthy and don't typically run up large health care costs. Dean Griffin said that will be cheaper because it's unlikely they will get past the nearly $13,000 deductible for the coverage to kick in.
Read more: Sticker shock often follows insurance cancellation - The Denver Post http://www.denverpost.com/obamacare/ci_24440960/sticker-shock-often-follows-insurance-cancellation#ixzz2jdbALxCU
Many people are going to pay the penalty... perhaps.  The IRS can only collect the penalty if the person has a tax refund.
ObamaCare depends on the young and stupid to pay very high premiums for their age group to help pay for the coverage of those who are older or sicker.
ObamaCare just is not sustainable in it's present form.
So, what is Plan B when ObamaCare fails.