: Penalties are approximately $950 per adult and $475 per child , or 2.5% of household income above the filing threshold, whichever is higher.
However, your requirement to have insurance depends entirely on your location, as several states have established their own mandates and financial penalties. States with Insurance Mandates in 2026 do i have to buy obamacare insurance
If you reside in one of the following jurisdictions, you may face a state tax penalty if you do not have qualifying health insurance: : Penalties are approximately $950 per adult and
At the federal level, you are to buy "Obamacare" (Affordable Care Act) health insurance . While the individual mandate technically remains part of the law, the federal tax penalty for not having coverage was reduced to $0 starting in 2019. While the individual mandate technically remains part of
The Individual Mandate for Health Insurance Coverage: In Brief
: Has a mandate to report coverage but currently imposes no financial penalty for being uninsured. Key Considerations for 2026