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if i don't have health insurance, what is the penalty?


The penalty in 2014 and beyond

The penalty in 2014 is calculated one of 2 ways. You’ll pay whichever of these amounts is higher:

  •  1% of your yearly household income. The maximum penalty is the national average yearly premium for a bronze plan.
  • $95 per person for the year ($47.50 per child under 18).
    Using this method, the maximum penalty per family is $285.

The fee increases every year. In 2015 it’s 2% of income or $325 per person. In 2016 and later years it’s 2.5% of income or $695 per person. After that it is adjusted for inflation.

If you’re uninsured for just part of the year, 1/12 of the yearly penalty applies to each month you’re uninsured. If you’re uninsured for less than 3 months, you don’t have a make a payment.

Learn more about the individual responsibility payment from the Internal Revenue Service.


more details on HealthCare.gov

WHAT IS THE PENALTY FOR NOT HAVING HEALTH INSURANCE?:

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