GoldCare+ is not a substitute for insurance as defined by the Affordable Care Act and therefore is not subject to the regulatory requirements or consumer protections of your particular state’s Insurance Code or Statutes.
President Trump "de-fanged" the ACA and the IRS no longer enforces any provision of the ACA.
In 2023 there are five states which have an individual health insurance mandate that could possibly result in a financial penalty to the individual without health insurance: California, Rhode Island, Massachusetts, New Jersey, District of Columbia.