: Uses a sliding scale based on income; monthly penalties can range from $23 to $135 per adult .
: 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. do i have to buy obamacare insurance
: Has a mandate to report coverage but currently imposes no financial penalty for being uninsured. Key Considerations for 2026 : Uses a sliding scale based on income;
: For 2026 coverage, the standard open enrollment period typically runs from November 1, 2025, to January 15, 2026 . Key Considerations for 2026 : For 2026 coverage,
: Penalties are the higher of $795 per adult ($397.50 per child) or 2.5% of household income.
: Penalties start at $695 per adult and $347.50 per child , capped at $2,085 for families, or 2.5% of income.
: Penalties are approximately $950 per adult and $475 per child , or 2.5% of household income above the filing threshold, whichever is higher.