1-844-326-6403 1-855-769-3180

Free insurance quotes (sponsored)

Touch to find
health insurance

What happens if I don’t buy ACA-compliant health insurance?

Q. What happens if I don’t buy ACA-compliant health insurance?

A. The health reform law includes an individual mandate, requiring every American to have ACA-compliant health coverage, with just a few exceptions. It includes a penalty for anyone who does not buy health insurance.

ACA open enrollment guide

The Insider’s Guide to Obamacare’s Open Enrollment offers time-saving strategies for selecting coverage during open enrollment.

For 2016, the penalty was $695 per uninsured adult (family cap of $2,085) OR 2.5 percent of household income, whichever is greater.

There are some exceptions to the penalty though. You don’t have to pay if:

  • you can’t find a premium for a qualified plan through your state health insurance exchange that is less than 8 percent of your adjusted gross income;
  • your income is below the tax filing threshold;
  • you have a hardship waiver;
  • you are not covered for a period of less than three months during the year;
  • you have a religious objection;
  • you’re a member of a healthcare sharing ministry;
  • you’re a member of an Indian Tribe;
  • you’re incarcerated; or
  • you’re not legally present in the U.S.