Starting January 1, all Americans will be required to own a car. Those who refuse to buy a car will be subject to a penalty. If you are too young to drive, or live in an urban area, you will still be required to own a car.
If you like your car, you can keep unless it “changes” (meaning needs repair, thereby costing you more money). At that point, you are directed to an online car dealer who refuses to sell “used” vehicles and only offers three paint colors. Said online car dealer will be able to sell up to six cars at one time
Monthly payments will necessarily rise unless your income is such that you qualify for a subsidy–then it might cost as little as your old health care premium.