What Is the Penalty for Not Having Health Insurance?

If you can afford health insurance but don’t buy coverage, you will likely have to pay a penalty. This penalty is sometimes also called a fee, fine, individual responsibility payment or individual mandate.

If you don't have coverage in 2017, you must pay 2.5 percent of your yearly household income or $695 per person ($347.50 per child under 18). You pay the higher of these two amounts. In future years, the fee will be adjusted for inflation.

Calculate Your 2017 Penalty

Use to button below to visit the IRS website and calculate an estimate of what your health insurance penalty will be if you don’t buy coverage in 2017.

Health Insurance Penalties from Previous Years

If you didn’t have health insurance in 2016, you paid the higher of these two amounts:

  • $695 per uninsured person and $347.50 per child (up to a $975 maximum)
  • Two percent of household income

If you didn’t have health insurance in 2015, you paid the higher of these two amounts:

  • $325 per uninsured person and $162.50 per child (up to a $975 maximum)
  • Two percent of household income

If you didn’t have health insurance in 2014, you paid the higher of these two amounts:

  • $95 per adult in the family and $47.50 per child (up to a $285 maximum)
  • One percent of household income

Additional Information

To learn more about the Affordable Care Act and its requirements, visit our Healthcare Reform for Individuals page. For more detailed information about the individual mandate, like penalty exemptions, view our Healthcare Reform Resources.