What would the tax owed be if the Affordable Care Act (Obamacare) was not in effect?

Consider the following 2020 information for Bella and Bill, who file married filing jointly: Scenario 1 164,000 Scenario II 432,100 31,800 did not sell Combined salaries of both spouses Purchased stock 5 years ago for 40,000; sold it in 2020 for: Received an inheritance from an aunt who passed away during 2020 Medical expenses paid Mortgage interest paid Charitable contributions paid in cash State taxes withheld Local property taxes paid Federal taxes withheld Minor dependent children 99,000 14,100 8,800 770 5,000 4,100 17,000 Two 99,000 14,100 12,100 6,000 34,568 14,000 89,000 Two