Affordable Care Act

What are the Penalties for Not Having Health Insurance

Updated on November 14, 2019


The tax penalty at the federal level for not having health insurance has been repealed as of 2019. However, some states have implemented their own individual mandate tax penalty. To learn more, you can read about which states require you to have health insurance on our resource center.

The tax penalty for being uninsured is still in affect as of 2017, and since it’s been . But there’s a lot of misinformation floating around about who will have to pay and how much the penalty is. So here’s the complete details…
This table breaks down how the penalty has been applied in previous tax years:

Household Size 
Minimum PenaltyMaximum Penalty
Family of One Income$15,521$46,681+
2014 Yearly PenaltyMinimum:$95 per adult$47.50 per child.Maximum: 1.0% of income up to $2,448 per adult1
2015 Yearly PenaltyMinimum:$325 per adult$162.50 per childMaximum: 2.0% of income up to $3,816per adult1
2016 Yearly PenaltyMinimum:$695 per adult$347.50 per childMaximum: 2.5% of income up to $2,676per adult1

1 (As published by the IRS: projected by the Tax Policy Center: