How do you sign up for ACA if you DON’T HAVE A COMPUTER AND INTERNET ACCESS? Or phone? Or a car to go to your local office? Yet we INDIVIDUALS are forced to join the pool, by any means, whether we are able to or not. And then how is this enforced? It will probably cost more to enforce and administer than it will to operate the system. If we learn anything from the EU, we should learn that multiple pools are better than one. Birds migrate for a reason.