: Uses a sliding scale based on income; monthly penalties can range from $23 to $135 per adult .
: For 2026 coverage, the standard open enrollment period typically runs from November 1, 2025, to January 15, 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: : Uses a sliding scale based on income;
: Penalties are the higher of $795 per adult ($397.50 per child) or 2.5% of household income. to January 15
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