Florida is leading 19 other states, for example, in a federal lawsuit that claims that a "mandate" that individuals buy coverage, which goes into effect in 2014, is unconstitutional. People who choose to forgo insurance will face tax penalties under the new law. (However, insurance subsidies will be provided on a sliding scale to people with incomes between 133 percent and 400 percent of the federal poverty level, which for 2010 is from $29,326 to $88,200 for a family of four.)