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What happens if I don’t want health insurance?

If you choose not to purchase health insurance, you will most likely be responsible for paying the individual mandate penalty fine. This is a monthly fee, so you will only pay 1/12 of the annual fee for each individual month that you went without insurance. You have to pay it when you file your federal […]

Is not having health insurance against the law?

By the letter of the law, not having insurance will not subject you to criminal prosecution. However, the Affordable Care Act did bring into effect the individual shared responsibility provision requiring qualifying taxpayers to pay a tax penalty. By 2014, the penalty averaged $210, and in 2015 the penalty was up to an average exceeding […]

When is an employer required to offer health insurance?

The Affordable Care Act (ACA) went into effect in 2014 after surviving a challenge in the Supreme Court of the United States. The most widely known aspect of the law is its requirement that all U.S. Citizens living in the United States, as well as many noncitizen residents, carry health insurance, certify an exemption, or […]

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