This is Obama affordable Care act so everyone can have insurance. Like all his policies they are built on a flawed concept. Every thing he thinks will work is a disaster.
I am sure your wife lost her job because of Obama Care which makes it even worse however I think if you can not afford the insurance we the people will pay your premiums. You need to find out what your fines are it might be cheaper to pay the fines and then if you need insurance you can get it because with this policy you can't be denied insurance.
I feel sorry for you I have a small business and it is tough under this administration. I would have been better off to closed the business five years ago and retired.