At 35, Brandan Licatino is old enough to understand the risks of getting sick without health insurance and informed enough to know he faces a tax penalty a year from now if he fails to sign up for a federally mandated health plan by the end of the month. "[...] in my life, I don't see the need to do it," Licatino said this week, knocking on a wooden bureau in the hair salon he owns on Washington Avenue.