Even for those who do not enroll in the various options and instead accept the tax hit mandated under the Affordable Care Act, Gov. Dannel P. Malloy said Friday that the pain shouldn’t be much and it may underscore the need to obtain health coverage. “For an individual who doesn’t access health care insurance through the plans, which will actually cut the cost, the tax in the first year will be $90,” Malloy said to reporters after the State Bond Commission meeting. “For a family of four it would $440 and over four years it would rise to about $2,500. What family of four, led by somebody who is worried about their future and the future of their spouse and the future of their children, would not access the health care, which is going to be made available at an affordable price?”