1. What is the tax year you are filing for?

2. What is the state you are filing for?

Select a state...

3. What do you expect your annual household income to be?

4. Select your filing status for the year you are filing for:

5. What is your household size?

Select number of people in your household...

5a. How many adult (18+) dependents will you claim for the year you are filing for?

Select number of adult dependents...

5b. How many child dependents will you claim for the year you are filing for?

Select number of child dependents...

6. How many months do you expect to be without coverage for the year you are filing for?

Select number of months uninsured...

7. Do you have an exemptions that may apply for the year you are filing for?

Find out whether you may be among the millions of Americans who will have to pay penalties for not having health insurance.

How Your Fee Is Calculated

The penalty you may have to pay will be either:

  • Percentage of household income
  • Per person

You will be responsible for whichever is higher.

Percentage Of Income

Flat 2.5% of your household income with the maximum being the average price of the Bronze plan sold through the health insurance marketplace for the year you are filing for.

Per Person

Each adult in your household will be responsible for $695. For every child under the age of 18, you pay an additional $347.50. The maximum one household would have to pay is $2,085.

Need help calculating your estimated fee? Try our Tax Penalty Calculator.

How to Avoid Paying a Penalty

The best way to avoid paying the penalty is to purchase health insurance. If you have a qualified health plan for the year, then you are exempt from any tax penalty. If you choose not to purchase health insurance, you will need to file for an exemption to avoid paying a penalty.

Why do you have to Pay a Penalty?

The tax penalty is in place to encourage those who are healthy to purchase health insurance. If only unhealthy individuals participated in the health insurance marektplace it would drive health costs up for everyone. The aim of Obamacare is to create a pool of both healthy and unehalthy individuals, to help insurance companies offset medical costs, and making health coverage more accessible and affordable to everyone.


How do I pay my fee?

Since the fee is considered a tax penalty, you pay it when you file your federal taxes.

I'm unemployed, am I exempt?

If you are unemployed, you may qualify for a tax exemption based on your income. If health insurance is a financial burden, may even qualify for Medicaid. Learn more.

What is the short gap exemption?

You can qualify for a short gap exemption if you went with out coverage for 1 or 2 consecutive months. If you qualify, you will be exempt from paying any penalty for not having coverage.

What if I don't pay?

While there are no criminal penalties for failure to pay, the IRS will take the amount you owe out of your future tax refunds.

What if I had coverage for part of the year?

If you have coverage for part of the year you will only be paying a penalty for the months you did not have coverage. To calculate this, take you can divide what your total annual penalty is, pay 1/12 of the cost for each month you were without coverage.

What counts as qualifying health coverage?

Any health insurance plan that meets the 10 essential benefits counts as qualifying health coverage. If you have a health insurance plan that is missing any of the 10 essential benefits, you may still have to pay a penalty.

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