At the federal level, the individual mandate—part of the Affordable Care Act (ACA)—technically still exists, but the penalty for non-compliance was reduced to $0 in 2019. This means the Internal Revenue Service (IRS) will not fine you on your federal tax return if you choose to go without coverage.
Generally, penalties are the higher of a flat dollar amount per person or 2.5% of household income. do i have to buy health insurance
You may qualify for an exemption from state penalties, often including scenarios like financial hardship (e.g., homelessness), unaffordable coverage (costing over ~8% of income), short coverage gaps (under three months), or religious objections. Health coverage exemptions, forms, and how to apply At the federal level, the individual mandate—part of