ROANOKE, Va. -

In order for the Affordable Health Care Act to work, young healthy Americans need to buy health insurance.  The problem is not all young people are signing up for it.

Twenty eight year old Joe Swindell is a computer programmer in Roanoke who works part time for a local college and who also has his own business.

When it comes to health insurance he said he doesn't need it.  "I don't go to the doctor very much. I've got to be really really sick or something.," Swindell explained. "It's not very economical for me to pay 200 bucks a month when I only go to the doctor one time a year."

Swindell also said the government website's problems with not securing some American's personal information makes him reluctant to give out his.  "With all the issues they still had I didn't want to put my information out there," Swindell said.

For 2014 Swindell will forgo insurance.  As for the following year Swindell said he'll take a more serious look at it.   "I'll feel more comfortable that all the issues hopefully will be rolled out," Swindell said.

Swindell is one of many Americans who will pay the penalty. For the first year it's $95.00 or one percent of your income, whichever is greater. That means if you make $15,000 a year you pay a $150 dollar fine.  If you make $20,000 the penalty is $200.00 and so on.

Those fines more than double if you don't have health insurance for a second year in a row.

The deadline to buy health insurance if you want coverage to begin January first is coming up fast.   It's Monday December 23.