Less than 1% ? Health Insurance

I heard on the news this morning that the tax or penalty for not getting insurance will affect only about 1% of the American Population. They said it would affect those who can afford insurance but choose not to get it.  Hello! What about unemployed people? What about folks that make less than 25, 000 a year? I dont think most of those folks can 'afford" insurance. How did they determine who can afford it? Washington is in a world of it's own. They seem to think insurance is "affordable' I dont think they know that insurance for a 61 year old woman runs about $500 a month. What is she only brings home about $1300 a month? She has to pay taxes, her home payment, her car and that fat insurance payment? They have NO Clue what they are talking about.