What’s the penalty if I don’t have coverage?

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

The penalty for not having coverage in 2018 is the greater of:

  • $695 for each adult and $347.50 for each child, up to $2,085 per family  


  • 2.5 percent of family income above the federal tax filing threshold, capped at the national average of the lowest cost bronze plan available through the marketplace. 

For later years, the percentage of income remains the same, but the IRS will adjust the flat penalty amount of $695 by the cost of living adjustment annually. (26 U.S.C. § 5000A (c); IRS, Rev. Proc. 2017-58).

Individuals with no coverage
Individuals with coverage
Coverage for small employers
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