''I was all for Obamacare until I found out I was paying for it"

[Rupert Pupkin]

There is something I don't understand. They say that the penalties for not having insurance are not that high. So it seems like the smart thing to do is to not get insurance. Instead, just wait until you get really sick, then get insurance. Since they can't turn you down for a pre-existing condition, don't get insurance until you are really sick and need it.

What would prevent a person from doing that?