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Taxes, Penalties & Exemptions
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If you can afford health insurance but choose not to buy it, you must pay a fee called the individual shared responsibility payment. (The fee is sometimes called the "penalty," "fine," or "individual mandate.")
Learn more about the individual shared responsibility payment from the Internal Revenue Service.
The fee is calculated 2 different ways – as a percentage of your household income, and per person. You’ll pay whichever is higher.
Use this IRS tool to estimate your individual responsibility payment.
It depends on your household income. If insurance is unaffordable to you based on your income, you may qualify for an exemption from the fee. Other exemptions are based on low income too. Learn more about exemptions and how to claim them.
The IRS will hold back the amount of the fee from any future tax refunds. There are no liens, levies, or criminal penalties for failing to pay the fee.