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What you need to know

When Do I Have to Pay the Fee for Not Having Insurance?

Q & A for the new Insurance Laws

Q. When do I have to pay the fee for not having insurance?
A. An uninsured person would pay the fee in 2015, when they file their 2014 federal income tax return.

Q. What happens if I don’t pay the fee? 
A. The IRS will hold back the amount of the fee from any future tax refunds. There are no liens, levies, or criminal penalties for failing to pay the fee.

Q. What if I’m unemployed? Is there still a fee?
A. It all depends on your household income. If insurance is unaffordable to you based on your income, you may qualify for an exemption from the fee. Complete an application in the Health Insurance Marketplace to determine whether your income qualifies you for an exemption.

Q. Are the rules the same in every state?
A. Yes. The rules about paying penalties are the same whether the Marketplace is run by your state or the federal government.

Q. If I sign up for a plan or get insurance by March 31, 2014 but was not covered before that in 2014, will I have to pay a fee or responsibility payment?
A. No. As long as you enroll in a Marketplace plan by March 31, 2014, you won’t have to pay the penalty for any months you were uncovered in 2014 before your Marketplace coverage starts.

For more Marketplace questions, please visit: Healthcare.gov

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