Can you find out how big the penalties will be? I kinda doubt they will go into effect as the gov't can't seem to get anything done, so I figure that this may be the same. What are your predicted/ known medical needs for the fall? How much more is the insurance? This seems to fall under the " crap I can't control" heading, so set it aside and work on something you can make better. A second job may end up costing you too much in loss of family time and eating out is one of he first symptoms.