Choosing to forgo insurance and instead pay a penalty under the Patient Protection and Affordable Care Act might seem like an easy — and cheaper — option for some consumers.

But that it could add up to a lot over a lifetime — up to six figures, according to new analysis.

Calculations from NerdWallet estimate that for a lifetime of PPACA penalties, individuals will pay a minimum of $36,556, and families of four a minimum of $109,668.

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