: Has a mandate to report coverage but currently imposes no financial penalty for being uninsured. Key Considerations for 2026

: Penalties are the higher of $795 per adult ($397.50 per child) or 2.5% of household income.

: While penalties are gone federally, subsidies (Premium Tax Credits) remain available on the HealthCare.gov Marketplace to help lower monthly costs for those who choose to enroll.

: For 2026 coverage, the standard open enrollment period typically runs from November 1, 2025, to January 15, 2026 .

: While individuals generally aren't fined federally, "Applicable Large Employers" (50+ full-time employees) still face federal penalties if they fail to offer affordable coverage.

The Individual Mandate for Health Insurance Coverage: In Brief

If you reside in one of the following jurisdictions, you may face a state tax penalty if you do not have qualifying health insurance:

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