b04d3e3ff33c0e016b0f6a7067003f98_c0-83-4679-2810_s561x327Those Americans who didn’t get health insurance last year could be in for a rude awakening when the IRS asks them to fork over their Obamacare penalty — and it could be a lot more than the $95 many of them may be expecting. The Affordable Care Act requires those who didn’t have insurance last year and didn’t qualify for one of the exemptions to pay a tax penalty, which was widely cited as $95 the first year. But the $95 is actually a minimum, and middle- and upper-income families will actually end up paying 1 percent of their household income as their penalty. TurboTax, an online tax service, estimated that the average penalty for lacking health insurance in 2014 will be $301. More