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I work at a large corporation that offers health insurance, but it’s expensive and I don’t feel I need it. Under Obamacare, will my company force me to sign up?

  • By
  • Contributor
  • September 20, 2013

Q. I  work  at a large corporation that offers health insurance.  It’s pretty expensive and I don’t feel I need it. I’m young, single and healthy.  I work out and, and I don’t smoke. I rarely go to a doctor. But I have heard that under Obamacare, companies like mine will force everyone to sign up. Is this true?

A: No. Though it is true that under the ACA, employers with more than 200 employees are required to automatically enroll employees into health insurance plans offered by the employer.  But at that point, an employee can opt out.

But keep in mind that the government can charge you a penalty if you decide to ignore the individual mandate that everyone have insurance. The penalty begins at $95 in 2014, and rises to $695 or 2 ½ percent of your income (whichever is higher) in 2016.

You also should consider the risk of going without coverage.