Health care reform concern, can someone explain this to me?

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Alright, I saw an article on yahoo news. Here's the link http://finance.yahoo.com/family-home/article/109234/health-care-reform-tax-hikes-on-the-way?mod=insurance-health It basically lists some changes directly made, it's number seven I'm wondering about. 7. A ban on using funds from flexible spending accounts, health reimbursement arrangements or health savings accounts for the cost of over-the-counter medications, starting in 2011. Am I understanding that right? Does that mean if I have a few hundred dollars in a checking account or something I can't pay for over-the-counter medications? What is a health savings account? Is that something set up by like an insurance company, and if you need a medication or something, or want it, you can simply use that extra stuff in there to go do it? But now you can't buy over the counter medication like claritan or ibprophen? Also, number 11, I've heard of this one before, I have a major problem with it, Just asking extra questions about it now. 11. A new tax on individuals who don't obtain adequate health coverage by 2014. The tax is be phased in over three years, starting at the greater of $95, or 1% of income, in 2014, and rising to the greater of $695, or 2.5% of income, in 2016. Starting in 2014, if I were homeless and jobless for some strange reason, and didn't qualify for medicare or something, Would they be able to charge me 695 $ even though it's clear I have no income? Is there anything that supposedly blocks that from happening? (P.s. number 12 seems to relate to this one a bit.) Thanks ahead of time :)