Millions of Americans who don’t qualify for health insurance subsidies are finding the ACA unaffordable. They are purchasing non-ACA compliant plans instead. The TT2017 interview just asks whether the person has health insurance coverage, not whether it is ACA-compliant. If the IRS ever becomes aggressive about detecting people who claim to have ACA-compliant coverage but actually do not, TT2017 could be exposing millions of people to nasty interest and penalties.