Yes you’re correct but here are a few problems.
Say you’re employer pays $5000/yr per employee for health benefits. They can drop their insurance plan for their employees and pay the $2000 fine per Obamacare and still save $3000 a head.
In the above scenario you’d be forced to buy your own policy from any insurance provider since they’re all going to offer “affordable” plans. You have to choose a plan or be fined.
Many Americans, however, will not be able to afford the plans offered by private insurance and will be forced onto Medicare. Who foots the bill for the millions of new Medicare recipients? The middle-class of course or you and I. This will go down in history as the biggest tax hike on the middle class to date.