Click here to INSTANTLY Shop the Marketplace and Compare the Insurance plan that works for you and your family. 

The Health Insurance Marketplace helps uninsured people enroll in health coverage. Custom design your own plan that best suits your needs and budget. 

Find out if you qualify for private health insurance with savings based on your income.  Most people who apply through the Marketplace qualify for premium tax credits and savings on out-of-pockety costs bases on household size and income.

 

Browse, Compare, Select and Enroll

 

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Have a Licensed Representative contact you to walk you through the process.

 

 

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The fee you pay if you don't have health coverge:

The fee for not having health coverage is calculated one of 2 ways. If you or your dependents don't have insurance that qualifies as minimum essential coverage, you'll pay either a percentage of your household income or a flat fee -- whichever is higher.

The fee in 2016

If you don't have coverage in 2015, you'll pay the higher of these two amounts:

• 2.5% of your yearly household income. (Only the amount of income above the tax filing threshold, about $10,000 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a bronze plan.
• $695 per person for the year ($347.50 per child under 18). The maximum penalty per family using this method is $2085.00

Paying the fee

• Using the percentage method, only the part of your household income that's above the yearly tax filing threshold ($10,150 for individuals, $20,300 for couples filing jointly in 2014, the most recent year available) is counted.
• Using the per-person method, you pay only for people in your household who don't have insurance coverage.
• If you have coverage for part of the year, the fee is 1/12 of the annual amount for each month you (or your tax dependents) don't have coverage. If you're uncovered only 1 or 2 months, you don't have to pay the fee at all. Learn about the “short gap” exemption.
• You pay the fee when you file your federal tax return for the year you don't have coverage.