: For 2026 coverage, the standard open enrollment period typically runs from November 1, 2025, to January 15, 2026 .
: Penalties are approximately $950 per adult and $475 per child , or 2.5% of household income above the filing threshold, whichever is higher.
: Penalties are the higher of $795 per adult ($397.50 per child) or 2.5% of household income. do i have to buy obamacare insurance
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
If you reside in one of the following jurisdictions, you may face a state tax penalty if you do not have qualifying health insurance: : For 2026 coverage, the standard open enrollment
: 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.
: Penalties start at $695 per adult and $347.50 per child , capped at $2,085 for families, or 2.5% of income. However, your requirement to have insurance depends entirely
: Has a mandate to report coverage but currently imposes no financial penalty for being uninsured. Key Considerations for 2026