20. And it's only going to apply to a small fraction of the population.
Namely the people who can afford insurance, but choose not to get it.
If you're too poor to afford it, either you get a subsidy, which may very well cover most of the cost for you, or if you're below 133% of the poverty line, you get on Medicaid, or if somehow you slip through those two scenarios, you can simply explain that you can't afford to buy insurance and get an exemption.
Really, if you're in a situation where you have to pay the individual mandate penalty, you deserve it.