QUESTION

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

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

As of January 1, 2019, you are not required to pay a penalty for not having coverage. However, California, the District of Columbia, Massachusetts, New Jersey, and Rhode Island 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 certain special enrollment periods and financial assistance is available to purchase such coverage through the health insurance Marketplace.

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues