Quote Quoting S.T. Ranger
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I question this as a valid exercise of Congress' power, hence the question. I do see it as strong-arming because the threat of monetary penalty is the only other option here.
The Supreme Court has settled the matter. It has said it is a valid exercise of Congress’ power. You may not agree with that, but like it or not the Supreme Court is the ultimate arbiter of what is constitutional. Since the court has spoken on that, there is no challenge you can bring now on that particular issue that would be successful. The issue has been decided. We don't endlessly litigate the same issue over and over.

Quote Quoting S.T. Ranger
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No, I can pay their fines. And from what I have heard, those fines increase every year that I "freely decide" not to get insurance. Maybe you could debunk that notion?
The penalty is phased in over a couple of years. When the full penalty takes effect, it will effectively be the same amount as the premiums charged for the lowest level (i.e. bronze level) health insurance policy.

If you want to get rid of this penalty, urge Congress to repeal it. Repealing the law the only way it will go away.