Those without health in­sur­ance have a lot to con­sider. On one hand, the fine for re­main­ing un­in­sured steeply in­creases for next year. On the oth­er, the cost of the in­di­vidu­al man­date pen­alty is cheap­er than buy­ing the least ex­pens­ive in­sur­ance plan for 7.1 mil­lion of the nearly 11 mil­lion un­in­sured eli­gible to en­roll in health ex­changes, ac­cord­ing to a Kais­er Fam­ily Found­a­tion ana­lys­is re­leased Wed­nes­day.