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Will I have to pay a fee if I don’t have health insurance?

Will I have to pay a fee if I don’t have health insurance?

If you don’t have health coverage that meets the minimum ACA requirements, you may have to pay a penalty. In 2018, for an individual, the penalty starts at $695 a year, or up to 2.5 percent of income, whichever is greater. The penalty rises each year. The health care law says that certain people may not have to pay a penalty, including:

  • People for whom the regular payments (called premiums) are more than about 8 percent of their income
  • People with income so low they don’t have to file taxes
  • People living in the United States illegally (undocumented immigrants)
  • People who have a gap in coverage of less than three months
  • People who are exempt because of their religious beliefs
  • American Indians and Alaska Natives
  • Americans living abroad for at least 1 year
  • People who have experienced a hardship (considered on a case-by-case basis)
  • People in prison

To find out more about the ACA and the Health Insurance Marketplace, read The Health Care Law: More Choices, More Protections.

If you think you may be exempt from paying a penalty, you must apply for a waiver from your Health Insurance Marketplace.

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