In 2014 Americans will be forced to purchase expensive health insurance under Obamacare or pay fines. The annual costs of forced health insurance will disqualify millions of Middle Class home buyers from saving a substantial down payment or qualifying for a home mortgage. Millions of current homeowners will not be able to pay both the annual costs of forced health insurance, or penalties for not purchasing health insurance, and their home mortgage. Home buyers qualified in 2012 to buy a home will be locked out in 2014. Beginning in 2014 home buyers to offset the costs of forced annual health insurance or penalties will have to make low-ball offers on houses. That will further hinder home values moving upward.