QUESTION

I’m uninsured. Am I required to get coverage?

Individuals with no coverage | Individual Responsibility Requirement (Individual Mandate)
ANSWER

Yes, you are required to get coverage that counts as “Minimum Essential Coverage.” This requirement is called the individual responsibility requirement, or sometimes called the individual mandate. As of January 1, 2019, you are no longer required to pay a penalty for not having coverage. However, some states, including New Jersey, the District of Columbia and Massachusetts, have their own coverage requirement that does impose a tax penalty. If you live in one of these states, contact your state Department of Insurance for more information.

While the tax penalty for not maintaining minimum essential coverage has been eliminated beginning in 2019, whether you have access to or are enrolled in a plan that qualifies as minimum essential coverage is essential in determining eligibility for premium tax credits and special enrollment periods.

Individuals with no coverage
Individuals with coverage
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