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In this photo taken Dec. 22, 2014, Ryan Moon of Des Moines, Iowa, stands outside of his apartment in Des Moines, Iowa. The cost of being uninsured in America is going up significantly next year for millions of people as penalties under President Barack Obama’s health care law will double. Moon, a recent college graduate that has not been able to land a permanent job with good benefits, estimates he will have to pay a penalty of more than $90. (AP Photo/Charlie Neibergall, File)

In this photo taken Dec. 22, 2014, Ryan Moon of Des Moines, Iowa, stands outside of his apartment in Des Moines, Iowa. The cost of being uninsured in America is going up significantly next year for millions of people as penalties under President Barack Obama’s health care law will double. Moon, a recent college graduate that has not been able to land a permanent job with good benefits, estimates he will have to pay a penalty of more than $90. (AP Photo/Charlie Neibergall, File)

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