I am disappointed with the ruling on Obamacare. I agree with the dissent that the penalty is not a tax and that the opinion by Chief Justice Roberts is unprecedented. I would point out a few things though. First, the individual mandate was not found constitutional, the penalty was found constitutional as a tax. The difference is important. The penalty is small by comparison to the cost of health insurance, as was noted by the Chief Justice. His opinion points out, "In 2016, for example, individuals making $35,000 a year are ex¬pected to owe the IRS about $60 for any month in which they do not have health insurance. Someone with an annual income of $100,000 a year would likely owe about $200. The price of a qualifying insurance policy is projected to be around $400 per month." This is what will result in healthy people not buying insurance since the difference between the average penalty and the average insurance will be thousands of dollars per year. This will drive the price of insurance up higher than anticipated. The real result of the whole thing is that we are dealing with the largest middle class tax increase in history combined with a statute that will make insurance unaffordable for the middle class. It shows clearly that Obama is dishonest and incompetent.