A screenshot from the <a href="http://www.freedomworks.org/">FreedomWorks website</a>, which is urging citizens opposed to the Affordable Care Act to opt out of the law's requirement to have insurance. It asks Americans to symbolically "burn your Obamacare card." In reality, no such card will exist.
You're not the only one who finds health insurance perplexing.
It's hardly news that people are having trouble understanding the nitty-gritty of the Affordable Care Act. Recent polls have detailed the difficulties.
But work by economists at Carnegie Mellon University suggests a big reason for the confusion that's been largely overlooked: The public doesn't understand how health insurance works in the first place.