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What If I Don’t Want to Buy Health Insurance?

You don’t have to buy health insurance, but if you don’t you may owe a penalty.

Failure to purchase a health insurance plan will subject you to a yearly penalty that increases each year.
In 2014 the penalty is $95.00 per adult & $47.50 per child (up to a family maximum of $285) or 1% of income whichever is greater.
In 2015 the penalty is $325.00 per adult & $162.50 per child (up to a family maximum of $975) or 2% of income whichever is greater.
In 2016/2017 the penalty is $695.00 per adult & $347.50 per child (up to a family maximum of $2,085) or 2.5% of income whichever is greater.
Final 2018 amounts have not been announced.
The penalty is applied on a monthly basis for months without coverage during the year.
There is an exception for a single period without coverage of less than three months.

Year
Family Annual Income 
Number of Adults 
Number of Children? 

Can't Afford it?

When you want some protection but simply can’t afford the ever rising cost of health insurance premiums, we offer some limited benefit options. These low cost options include a Critical Illness and Emergency Treatment plan and an individual Fixed Indemnity Health Insurance plan. These policies won’t help you avoid the penalty, but may give you some peace of mind.

Don't Get Caught Without Anything!

What do I do if my health changes for the worse?

If the need for better coverage arises during the year, you will have an option to apply for a guaranteed issue policy during the annual Open enrollment for 2017 and beyond runs from October 1st through December 15th of each year. The new policy would start effective January 1st of the next year.