Coverage for everyone

The ACA’s “Individual Shared Responsibility Provision” – also known as the individual mandate – requires most Americans to have health insurance. Adults under the age of 65 who are uninsured or who have individual coverage – buying coverage on their own rather than getting it through an employer – have many health plan options. HAP is always here to help you find a plan that best suits your needs.

For the 2016 tax year, the penalty for not having insurance for more than three months in a row is $695 per person or 2.5% of household income, whichever is greater.

You’ll pay the individual mandate payment on the federal income tax return you file for the year you don’t have coverage. Most people will file their 2016 returns in early 2017.

Avoid paying the penalty
You will not have to pay a penalty if one of the following applies:

  • You have a Qualified Health Plan
  • You have health coverage through an employer
  • You have coverage through Medicare, Medicaid, Children’s Health Insurance Program (CHIP), Veterans Affairs, the Indian Health Service or TRICARE
  • You don't make enough money to file a federal tax return
  • You qualify for an exemption due to other special circumstances

  • To find out more, or to apply for an exemption, please visit the Health Insurance Marketplace.

Find a plan.