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The Affordable Care Act (Obamacare): If You Do Not Have Health insurance (Uninsu

Penalty For Not Having Health Insurance

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Health Reform 2010 imposes a penalty starting in 2014 for most individuals who do not have health insurance. 

One twelfth (1/12th) of the penalty due for the year is payable for each month in the year without health insurance.

  • In 2014:
    • The penalty is $95 or 1 percent of income above the filing threshold, whichever is higher. The filing threshold is the income amount below which individuals are not required to file a tax return. The maximum penalty in 2014 is $285.
    • For families, the penalty is $95 for each uninsured adult in the household, plus $47.50 for every person under age 18. The family size for a taxpayer is the number of individuals for whom the taxpayer is allowed a deduction for personal exemptions.
  • In 2015, the penalty rises to $325. or 2 percent of income.
  • In 2016 the penalty rises to $695 or 2.5 percent of income.
  • In 2017 and thereafter: the penalty will be indexed with inflation.

Excluded from the requirement are:

  • American Indians 
  • People with religious objections 
  • People who would pay more than 8 percent of their income for the cheapest available plan.

People who are exempt, or who are under age 30, can buy a policy that only pays for catastrophic medical costs and for three primary care visits a year.

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