2016 vs. 2017 Tax Penalty Amounts and Exemptions For Not Having Health Insurance Under ObamaCare


President Obama’s health care reform plan, also known as ObamaCare or the Affordable Care Act, is the law of the land now which means that all Americans with an income above a certain threshold have to purchase or have health insurance. The provision referred to as the individual mandate is what legally required most US citizens and legal residents to obtain private, employer sponsored or public health insurance (through state run exchanges). Based on the most recent data available it is estimated that the majority of the US population gets health insurance through their employers while 50 million people are uninsured. The remaining consumers either buy their own private insurance or are covered by federal/state government programs, such as Medicaid and Medicare.

Here is a summary table of the standard penalties for not having health insurance. Details on how the penalty is applied and individual exemption mandates are provided in subsequent sections.

Expecting a health care penalty? You may qualify to have it waived. Find out now

YearPenalty (Single)Penalty (Family)Maximum Penalty
2017$695 or 2.5% of income$2,085 or 2.5% of income$13,100
2016$695 or 2.5% of income$2,085 or 2.5% of income$13,000
2015$325 or 2% of income$975 or 2% of income$12,500
2014$95 or 1% of income$285 or 1% of income$9,800

[Obamacare Repeal Update] – With Donald Trump now the 45th President, he along with Congressional Republicans have started the process to repeal Obamacare in 2017. The challenge they are current facing is that no replacement plan for Obamacare has been broadly agreed to and that the details of how to implement a full replacement will take months, if not years to figure out. Without a effective replacement plan an ACA repeal could leave millions without access to health insurance and create significant financial turmoil within  the American healthcare system. From a health care penalties perspective, there is the strong expectation that the individual mandate will be removed under any replacement plan. This means that those without health insurance in 2017 may only be subject to a partial or no penalty when filing taxes in 2018. Note however that for your 2016 taxes currently being filed in 2017, all penalties will apply as shown in the above table. I’ll continue to post updates on this topic and encourage you to follow or share this site via Facebook or Twitter

Individuals: For the 2014 tax year (reported/filed in 2015), individuals who did not have insurance would owed $95, or 1 percent of income, whichever is greater. For the 2015 tax year it rose to the greater of $325 or 2 percent of income. But the penalty for 2016 rose yet again, reaching $695, or 2.5 percent of income, whichever is greater. From 2017, the minimum tax penalty per person will rise each year with inflation. Estimates are provided on the table above and it is likely 2017 penalties and maximums will remain the same as 2016 given the low inflation environment. And for children 18 and under, the minimum per-person tax is half of that for adults ($47.50).  The tax penalty is pro-rated, so that a person who is not covered for only a single month would pay 1/12th of the tax that would be due for the full year.

While the focus is on the $95 (single adult) penalty, the actual penalty may be much more for higher income people because the percentage component of the penalty comes into play. For example, a single person whose MAGI is $35,000 and elects not to have health insurance, may be liable for a penalty of $249 ($35,000 – $10,150 = $24,850 x 1% = $249).

Families: For families the 2014 health insurance non-compliance penalty was capped at $285 per family, or 1% of income, whichever is greater. In 2015 it rose to the greater of $975 or 2 percent of income. For 2016, the penalty jumped sharply to $2,085 per family, or 2.5% of income, whichever is greater. From 2017, the penalty/tax will rise in line with inflation. The minimum amount per family is capped at triple the per-person tax, no matter how many individuals are in the taxpayer’s household. So, for example, a couple with one child over 18 (or two children age 18 or under), and no coverage, would pay a minimum of $285 in 2014, $975 in 2015 and $2,085 in 2016. And that would be the minimum no matter how many uninsured dependents a taxpayer has.

The maximum penalty (under the percentage of income criteria) is capped at the national average price of a bronze plan sold through the health insurance marketplace. For 2014 the maximum was $9,800, $12,500 in 2015 and then $13,000 in 2016. The 2017 maximum penalty is expected to stay the same as 2016 or rise marginally in line with inflation.

Individuals or families who fall below income-tax filing thresholds would not owe anything or get subsides or credits to offset health insurance costs (see section below on Health care premium tax credit). People who are unemployed or cannot find a policy that costs less than 8% of their modified adjusted gross income would also be exempt from penalties under the individual mandate. On the other hand, to offset the cost of providing insurance to low income households, individuals making more than $200,000 a year and couples earning above $250,000 will get additional health care taxes deducted as payroll taxes. These people are also hit with a 3.8 percent tax on investment income.

Employers: For employers with 50 or more workers could face federal fines for not providing insurance coverage. Several of the other changes would take effect much sooner. For the current and future impacts of health insurance on employers see this article.

How Individual Health Care Coverage Will be Monitored

Employers have had to state the value of the health care benefits provided to each employee on their W-2 at the end of each year. Insurers (including employers who self-insure) that provide minimum essential coverage to any individual during a calendar year will also have to report certain health insurance coverage information to both the covered individual and the IRS. Thus, the IRS will ultimately be responsible for reporting an individuals and business’ non-compliance with purchasing health insurance.

Obamacare/Affordable Care Act Tax Forms

A number of tax payers will have more complicated tax returns this year with the need to account for health insurance coverage as part of the individual mandate of the new Affordable health care laws.

Taxpayers who get their health insurance through their employer or government sponsored programs like Medicare or Medicaid, which will be the majority, will be able to prove their compliance via their tax filing by check a box on their normal tax (1040 series) return validating they had insurance. But those who bought insurance on the health insurance exchanges with the help of federal subsidies (see below for income qualification levels) will receive a form 1095-A detailed their coverage and have to reconcile their payments with their income level.  HealthCare.gov, the federal exchange that serves 37 states, started to mail out 1095-A forms to customers said all forms should be mailed out by the end of January. This end of month deadline is also the same for state-run exchanges

Those who failed to report raises or bonuses to their respective health exchanges may have to pay back some amount of subsidy for purchasing health insurance via these exchanges. This may require them to complete additional forms (Form 8965 or 8962) to claim exemptions and determine the allowed premium tax credit.

Checking if you have the minimum essential coverage to meet the individual mandate

Minimum Essential Coverage under ObamacareThe IRS has provided details on what constitutes coverage under the new health care laws. If you meet this coverage you won’t face penalties.

There are also certain allowed exemptions from the individual mandate that include items like

  • Being uninsured for less than 3 months of the year
  • The lowest-priced coverage available to you would cost more than 8% of your household income
  • You don’t have to file a tax return because your income is too low
  • You’re a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare
  • You’re incarcerated (either detained or jailed), and not being held pending disposition of charges
  • You’re not lawfully present in the U.S. (illegal immigrants)
  • You qualify for a hardship exemption (homeless, evicted in the past 6 months, received a shut-off notice from a utility company etc)

But you will need to show evidence for these in your tax return (Form 8965) with your tax return.  when claiming the exemption and the IRS will be checking these quite thoroughly.

US citizens or residents who reside overseas and meet the IRS foreign residency criteria (generally 330 full days outside of the U.S. during a 12-month period) can also claim exemption from the individual mandate penalty via Form 8965.  If living overseas for a partial period of time that does not qualify you as a foreign resident for tax purposes coverage provided by your local employer (under an expatriate health plan) can count as qualified health coverage that precludes them from the penalty. One exemption that may be particularly relevant to U.S. citizens living abroad for a small part of a year is the exemption for a short coverage gap. This exemption provides that no shared responsibility payment will be due for a once-per-year gap in coverage that lasts less than three months.

ObamaCare Premium Tax Credit Subsidy and Federal Poverty Levels (FPL)

Lower income Americans that purchase health insurance under the Affordable Care Act may also be eligible for a premium tax credit or subsidy. This is paid in the form of a tax credit (in advance or when filing your tax return) and is based on household size and income relative to the federal poverty levels (FPL). To qualify for the premium tax credit the household modified adjusted gross income (MAGI) has to be between 100% and 400% of the FPL. This is shown in the table below for different household sizes. The actual amount of the tax credit will vary based income and household size, but can only be claimed if you purchase health insurance through a healthcare marketplace or exchange.

# Persons in Household2015 - 100% FPL income threshold2015 - 400% FPL income threshold2016 - 100% FPL income threshold2016 - 400% FPL income threshold
9+add $4,160 for each additional person.add $16,640 for each additional person.add $4,160 for each additional personadd $16,640 for each additional person

Note: FPLs are higher in Alaska and Hawaii than in the mainland 48 states. The above limits increase with inflation every year. Eligibility for the subsidy/tax credit is based on income limits for the prior year (e.g your 2017 subsidy is based on your 2016 income levels).

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442 Comments on "2016 vs. 2017 Tax Penalty Amounts and Exemptions For Not Having Health Insurance Under ObamaCare"

Marilyn buduan

That’s why I don’t have no health insurance because I can’t afford it. Government penalize us that ridiculous..people who don’t work can get a government help but people who work hard cannot get help what a twisted policy…having a job could be a prequalifications to get approved a government health insurance.. no job no help


Any chance trump might drop the penalty for 2017 taxes? Or at least refund it to us in July 2017?

MIkey owens

Being fined for not having medical insurance could be understandable if my fine was vested in some sort of medical coverage for me but it’s not. So I don’t no how this is anything less than extortion. I work my ass off just to get fined so all the bums can have health insurance,do you see what’s wrong with this picture.

Geoff Peterson

My girlfriend did not have insurance for exactly 3 months. Will she have to pay a penalty?

Peceli Tuinakauvadra

Ok,I’m a US citizen my wife just got her Greencard in November of 2016. She’s got denied Medicaid because she didn’t have a social security number that year, couldn’t put her on my insurance plan because she didn’t have a ssn. We had to wait a whole year(2015-2016)
after I paid all the fees for her Greencard. We went to file our taxes,come to find out we’re being penalized for her not having health insurance When she didn’t even qualify for health insurance, because she didn’t have a social security number. How is this possible???.. First they turn her down because she’s illegal, as soon as she gets her green card. They tell us we have to pay a penalty for not having health insurance in 2016.

Christina V Diaz

2016 we’ve paid or insurance. 2017 my husband’s income went down and we applied for Medicaid. He has a restricted medicaid and i have a 400 mthly deductible. Is this qualified as having insurance for next year’s taxes without being penalized?


I believe if you are a veteran (I.e. You have access to VA if you need it) you are “covered” as far as tax filing, correct?


My son and I have insurance but my husband did not qualify through the state so he hasnt had any since May, how much would he be penalized?


Someone please inform me when the IRS releases the updated tax penalty amount for filing in 2017.


I read somewhere that if you only had insurance for 3 months out of the whole year that you would not owe any penalty. Is that true?


I was under the impression that if you are without insurance for more than three consecutive months then you have to pay a penalty.

Paula Caster

Obama is robbing everybody cant no one afford this crap ppl have bills to pay kids to take care of animals to take care of this is just another bill for ppl to pay and i think everyone can agree we have to many bills already i hope trump gets all of the crap thrown out

Phil Duran

This is why people need to be in control of their lives and not the government. There isn’t a one size fits all. Some people dont have the money. some people are really healthy and would rather give to their kids than health insurance. But NO, Obmama and the dems forced this control on us and now something important for many is now in the hands of the politicians. This is POWER over people plain and simple


anyone know what is the Penalty for not having insurance for 2017?????


Daughter just got booted off my plan. Now looking at the ripoffs going on with health insurance and medical services. She lives in a basement and makes $20 an hour. Her out-of-pocket (deductible + premiums) will be $10,000l the insurance would pay to go get a check up. I know of millionaire business people that show zero income and get family coverage for $30 a month. That should be criminal. Simple solution, base it on GROSS income, not NET. Of course the money that runs this country would not allow that to happen. This whole system will implode one day.

It seems that many people commenting here don’t understand the ACA. You should go here to see the kind of plans that you’re eligible for depending on your income and household size and the State where you live. http://www.savingtoinvest.com/obamacare-premium-tax-credit-ptc-to-offset-impact-of-health-insurance-premiums/ I just used it to calculate premiums for a family of 4 making $80,000 a year in Arkansas that expects to have low usage of doctors. The premium came up $614 a month for a Bronze plan MINUS $283 a month (that’s the tax credit). So the premium being paid by the family would be only $331 a month. So I’m not sure whether the people who are claiming high premiums are even checking the marketplace to see if they qualify for a credit. Seems like many of you are just contacting regular insurance companies. If you have no income or income less than the income level that requires you to… Read more »
I see that you have posted the same response to many people with many issues here. Your assumption that people who aren’t seeing the premiums and plans that you are seeing must be using private insurance carriers to get their quotes is wildly inaccurate. I know many people, myself included, who have used the ACA since it began and have seen horrible changes that have completely priced us out of coverage. Policy options and prices vary widely by state. Your numbers sound reasonable…mine and many others are nothing close to that. I have had to get new coverage with new carriers every single year because the insurers have either cancelled my plan or completely gone out of business. The first two years, I had hundreds of options. This year, I had only 32. I live in Texas, am a single mother with two dependents and a household income of less… Read more »
Obamacare Sucks
I think we understand it pretty well. I just used it to calculate my premiums for my wife and I. Together we make $44,000 and we have to pay $178/month after tax credits for a plan that does not cover my medications or services until we reach the $12,000 deductible. No that $12,000 was not a typo. Mind you, our school loans are not taken into account either, each of us pays $700/month. So we essentially have to pay an extra $178/month for something that will only cover us in the VERY worst of situations, which if one of those situations arises we are screwed anyway because we have to reach a $12,000 deductible and have a 40% coinsurance. 40%!!!! The ACA is a joke. America is a joke. I go to the doctor once a year for my Crohn’s checkup and get the two same medications every month and… Read more »
Joe Dad

OK so serious question: I don’t work for a company who has a health plan so I have to buy private insurance as apparently I make too much yet I am definitely middle class. Suppose I don’t get private insurance and save the $1630 per month for a $6500 deductible for a family of 5 very healthy people and we use that money to make our wellness visits and perhaps even a minor emergency room visit. What happens if God forbid, we have a major medical issue or accident? I don’t mean to sound ignorant but we’ve always had insurance so I’m honestly not sure what happens in that scenario today for people who don’t have insurance. Obviously, the hospital treats you but who is on the hook for the bill? Can this bankrupt you?


You need to go here to calculate whether you’re eligible for certain health plans and savings under the ACA: http://www.savingtoinvest.com/obamacare-premium-tax-credit-ptc-to-offset-impact-of-health-insurance-premiums/

I just used it to calculate premiums for a family of 4 making $80,000 a year in Arkansas. The premium came up $614 a month for a Bronze plan MINUS $283 a month (that’s the tax credit). So the premium being paid by the family would be only $331 a month.

It all depends on what State you live in, the total amount of your income, household size, etc. so you should use this calculator. If your State opted to run its own marketplace and not healthcare.gov, you’ll need to go there to see what kind of plans, premium reductions, savings, etc. you qualify for. However, this link will give you a good general idea of what you qualify for.

I need this answer too! We’ve always had health insurance and we’re not crazy renegades. Our income is above any subsidy and paying these crazy premiums for essentially emergency only coverage is just INSANE. We have 2 children and because of our focus on nutrition and alternative care they are healthy. The tax penalty seems it will only be a third of what our expected sky-high premiums are going to be. REALLY?! *THIS* is better than it was 4 years ago when I had not only a CHOICE of reasonably-priced policies but I also had a choice of companies…which I no longer do! Our household budget could use those funds for all the things that keep us healthy that aren’t covered under insurance…but what would happen if…? Before all this madness, medical providers could refuse to see you if you didn’t have health insurance. Now? The game’s completely different. I… Read more »

See my response to Joe Dad and my general response above


Yes I know what you mean. Mine alone will be 1,069.00 per month with B/C. Thinking about dropping it. I am not gonna pay for those who don’t have insurance. We can Obama this.


See my comment posted.


My husband an I just got our new premium for 2017 under Blue Cross….2016 = $906 2017= $1,314 44.90% increase
We have the cheapest plan they offer. 2 doctor visit co-pays a year and nothing else until you pay out of pocket $6,800 each.


That’s more like a 45% increase, not 90%. Still an unacceptable increase though. I can’t think of one thing that went up 45% since last year. Medical/Insurance sector getting rich and we’re getting raped. Single payer system like other countries have done is the only answer.


Join the discussion


See my comment posted. I think many people aren’t even checking to see if they can get a credit. If you go directly to an insurance company, you won’t get the credit.


I did check for a credit. AND I spoke to someone who told me the same exact thing I already check on. $800 a month for two people with a $320 credit making our monthly premium not very affordable.. Why should we skimp on buying food and gas for our cars to pay that kind of money. And we never go to the doctor. thats bull. It is not fair for us to have to pay for others health coverage who have none. There has to be a better way.

I have not worked for the passed 3 years due to my knees going bad ,so no income to file for taxes. I was first forced on Medicaid for 2014 and refuse to have the state of Nevada monitor my checking account I did not receive any medicaid for 2015 and 2016. This next year I go onto Medicare and the penalty for not affording insurance is scary plus it affected my other plan choicenB, C, D, E ,F etc that I have to buy now that I will be getting state retirement while I wait a year to get Social Security. I could not use the medicaid due to the scariness of the Recovery Act of Medicaid 1993 since I own my home and cars and want my disable son to inherit my house should I passed away before him. This crazy government Obama care is a nightmare. Wonder… Read more »

If you had no income or made income below the level required to file a tax return, you don’t have to pay a penalty. If you have regular Medicare, you don’t have to pay a penalty.

Nathan Jordan
Question regarding where and when to file for the following scenario: We are 62 and 61. My spouse has individual coverage in 2016 through marketplace and I am covered by employer. Neither of us qualify for subsidies due to household income of approximately $68,000. My employer does offer spouse and/or family coverage, but it is considered unaffordable under the aggregate of two because premiums for her would be over 8.16% of our household income for 2017, as they have been for prior years. (Just became aware of this.) We do not want to go into 2017 without coverage for her. She wants to have the option of purchasing a Catastrophic plan for 2017 and we know only that she must file for a ‘Hardship Exemption’, but we’re confused as to if we file an application through the Marketplace based on projected income for 2017, or have to wait until our… Read more »

My husband is disabled and I work part time. He receives medicare and I have insurance through obamacare. I pay $450 per month for health insurance which doesn’t really cover anything with a $4k deductible. I just received my estimated premium for 2017 which is $600 per month a $150 increase! I cannot afford to pay our bills anymore if 1/2 of my net income goes to insurance. But if I don’t I will have to pay $1500 in penalties. My husband’s income is fixed and i can no longer work full time because of back and neck injuries from rearend collisions i was in 20 years ago. Our income is not increasing but our taxes keep going up. How is this affordable?


This doesn’t make sense unless your income is very high. If your husband has regular Medicare, he’s considered covered by minimum essential healthcare coverage. If you’re only working part-time, you should be eligible for the premium tax credit which would substantially lower your monthly premium. You can only get this tax credit, however, if you apply for health insurance through healthcare.gov. If you’re applying for insurance directly to an insurance company, you won’t get that credit. Many people say they are getting Obamacare, but this isn’t true if they aren’t using healthcare.gov to get their insurance. I suggest that you go here: to see more on http://www.savingtoinvest.com/obamacare-premium-tax-credit-ptc-to-offset-impact-of-health-insurance-premiums/ if you qualify for the tax credit.


SETT55, I am not sure where you are getting your information. We have gone through the application process on the website. Our income is not very high. We only qualify for a small subsidy. But even with the subsidy, our premiums for a healthy family of 6 would be $1,200 per month, with a $12,000.00 deductible. That is absolutely insane! Why pay that premium when I can’t even use the insurance?


Pam, what type of social security is your husband getting? SSI does not count as income but SSDI does. You may also qualify for a Low income exemption if the lowest cost premiums are more than 8%.of total income. Meaning If both you make $30,000 x 8% = $2400 ($200 mo.) max per year in insurance premiums.


I’m sorry, but this is absolutely criminal that Obama is getting away with punishing people for something like this.. I mean, think about it, you’re being punished and fined an amount that’s equal to an entire 2 week paycheck.. Can he do this?? Can he really do this and get away with it??? This is just so wrong and for the record, I’ll be fined $695 for 2016.. How much is it for 2017?? A $1000.00??? At what point does someone step in and stop this madness???


AMEN Totally




You step in by voting Conservative…not Liberal!!!!


YUP Trump has to help us

My husband and I are in the same boat except I am on disability due to progressive Multiple Sclerosis and not on Medicare yet. The only way we made it last year was for me to be in a drug trial so I got my meds, doctor visits, etc for free, but it ends in November 2016. My husband is self-employed and our premiums will now go from $906 per month to $1359 per month and the insurance is worthless. I need to see so many other specialist but all of our disposable income goes to pay our premiums and so I am just waiting to go on Medicare which is a shame. Now, we will not be able to pay our premiums in 2016 and stay in our home so we will just not have insurance. Our politicians have screwed us and Hilary wants to continue this BS. We… Read more »
Question for a tax professional…What is the 2017 penalty amount going to be if 1) Filing Joint (only husband and wife) 2) Wife does not have a job 3) Husband does work, but his employer pays for his health-care, but not hers 4) Husband cannot afford to add her to the policy. What will the penalty be for 1 of the ‘Joints’ to not have coverage. Plus, is filing joint considered “Family” when figuring Non Health Insurance Tax Penalty assessment???? I mean holy S**t more than $2000 for a family that doesn’t carry health insurance!?!?!? You’re right Darlene, Extortion by HIGHLY organized Criminals that is worse than the Mafia…and LESS transparent if you can believe that! I hear of people going to places like South America to have PLANNED surgeries/procedures done and they still only pay about 1/2 what it would cost here WITH insurance…not only that, but the health-care… Read more »

You are fined per person that does not have insurance. The ones that have insurance are not fined. The 2017 tax year fine has not yet been set. For the 2016 tax year it is $695 per adult, or 2.5% of your income above 20,300 to a max of the cost of a bronze plan, whichever is greater. Maybe you can qualify under one of those exemptions and skip the fee for not having insurance for your wife.

Unfortunately employer coverage is considered affordable for the entire family as long as the employee only premium meets the affordability requirement. Dependents do not qualify for any subsidy if the employer offered coverage meets the requirements. The “family glitch” in the ACA isn’t helping you at all!


I am in the exact same scenario. The employee-only plan at my employer is reasonable — same cost as the 2.5% penalty actually — so it only makes sense to buy it. However, adding my spouse increases the monthly premium 3.5x and we don’t want to pay that. So if I buy the employee-only premium, will my wife still be hit with the 2.5% penalty? If so, that would double the cost ($2300 for my insurance + $2300 for wife’s penalty). In that case I would waive insurance altogether and take the $2300 total household penalty. Can anyone confirm?


Mark, The filing status does not matter with healthcare, it is the total household income. If the working spouses plan exceeds 9.5% of income you may be able to opt out and go for a cheaper government plan.

Unless you make a fair amount of money with dependent children I doubt you’ll get near the $2000 tax penalty.

Sorry, too many variables to give a direct answer.


Obamacare passed into law when both the Senate and the House of Respresentatives were controlled by the Democratic Party. No member of the Republican Party voted in favor of Obamacare. Not…One…Republican…Voted…for…Obamacare.


So….We should ALL vote Republican in our upcoming Presidential election. That’s our ONLY hope!

Yes, I will be voting republican this year.. I am an independent, but I did vote for Obama and was all for Obamacare until I found out that we are getting raped by the insurance companies. They should have put a cap on the insurance costs so we COULD get affordable healthcare. It was not only Obama but the whole congress party( majority Republican) that change and voted for this BS. And yes, this is extortion by organized criminals(worse than the Mafia), in my opinion. My husband lost his job back in 2008 and I did without insurance for over 4 years because of house payments and bills and food that were priority. He is working now and I am losing my job. My utility and insurance bills have gone up so it will be even harder to pay for medical insurance. I really don’t know where the money will… Read more »

No republican voted in favor of obamacare. The bill passed in 2010 when democrats were in control of the senate and house of respresentatives. No republican…not one.


Thank you Stephen for clarifying that NO REPUBLICAN voted for ObamaSCARE! I just checked my premiums for 2017. I currently pay $273.00 per month for a $4500.00 deductible. (I have NOT used my insurance at all this year because I am in good health…but I am required BY LAW to have health insurance). My 2017 premiums (To renew my current plan) jump to over $777 per month and my annual deductible sky-rockets to $14,300!!!! CRIMINAL EXTORTION OF YOU ASK ME!!!

Dr Who

Wish “Obamacare” would be called what it really is; “Extortion-Care” …. no public option, no choice other than the criminal insurance industry …


I had been receiving free care but when I went to have my tax done the preparing took 85.00 from my return. Was that right?


Yes, it is right because you have a choice to either do it yourself or pay someone to do it for you, unile Obamacare you are forced to get it or pay a penalty…. That’s called extortion


Same boat


Pretty soon, we will be penalized for not taking shower everyday… water companies will prove this.


Indeed! And what’s to stop them from enforcing penalties for not buying specific foods, clothes, housing, etc.??? NOTHING!!! YOUR VOTE MATTERS!!!! ESPECIALLY IN THIS COMING PRESIDENTIAL ELECTION!!!! This IS the tipping point for America!!!


This is not fair at all. Why do I have to get penalized just because I do not have insurance? I am healthy. I take care of my self. I exercise. I eat healthy food. I don’t smoke. I don’t drink. What do I need insurance for? I have always liked Obama but because of this, but I wont be voting for Democrats this year to get this crazy thing repealed.


So you don’t have fire insurance on your house or apartment because you are ‘so careful with fire’? That makes no freaking sense. As a society, we decided that if you happen to get really sick or get in a bad accident (yes it happens to people who exercise and eat healthy food), we are not going to leave you to die on the street. You’ll get coverage. And for that, you must pay into the system. Move to Somalia if you like your ‘freedom’ so much. It’s very free there. Pretty much no government at all.

Jeff, there is a group of people who fall right on the edge here – they are defined as the middle class but really they haven’t seen increases in their salaries in a while when compared to the cost of living increases. If one works for a small employer or two, they may offer the minimum insurance and the employee may get 50% of the bare minimum offerings covered. Should the employee need to be hospitalized, it could cost them up to $6250 for an individual and double that for families in deductibles up front. There is a gap here that needs to be addressed for these high cost deductibles. I work in the industry. The hospitals are doing well. Big Pharma is doing very extremely well, and they have incredible influence. The act was closed to 1000 pages which our government admitted to not reading through and there is… Read more »

Maybe the CEO’s of big insurance companies need to help their companies by not taking huge salaries and bonuses! They seem to be the ones getting rich during Obamacare!


Same here. So much for “freedom”. I really hope that next president will revoke this nonsense! And it’s not healthcare — it’s sick care that healthy people don’t need!!!

A.Edgar Allen

Did you pay attention in history or political science? Presidents cannot “revoke” laws passed by Congress (and not later vetoed). Once it has become law, as with the Affordable Care Act, only Congress can undo it.

And a question for you — if healthy people are seriously hurt in a car accident, who pays for their treatment?


Who pays? Depends upon the terms of their automobile policy…but most auto policies I’ve seen include medical care for not only the policyholder but for anyone else harmed…including the uninsured…which is rare given in my state we’re all also mandated to have auto policies. However, my auto insurance doesn’t cost me all of my income!


“If healthy people are seriously hurt in a car accident”, they pay for their treatment. You see, some people do take responsibility for things that happen to them. I know I would, or my family and friends would see to it that my bills would be paid. This argument that any accident or emergency room visit is never paid for is a straw man. Most decent people pay for their care.

But know with my insurance going from $147.00 (pre ACA) to $598.00 (just got my new price from Providence Health Plans of Oregon) I will probably be thinking about paying the penalty because it is a lot cheaper.


I lost my job in July 2015 so I lost my coverage because it was paid for by the my job and when I tried to apply for a new health insurance I was told its late now and i can only do so starting in 1/1/16. Am I going to get penalized for not having insurance for the rest of 2015?


Is this board off kilter?
Your post is dated last Sunday but you mention 2015?

Either way you have 3 months penalty free to change or register for a new healthcare plan anytime of the year with a “life change”, which means within 90 days of losing a job.


Loss of health insurance because of loss of job qualifies you to get insurance through obamacare without waiting.

Leigh Ann

I’m in the same boat.


I have always voted democratic, however, this year because of the penalties obamacare has put on the working class, I will vote republican in order to get obamacare repealed. I will just hope that the powers that be will have some kind of control over crazy ideas.
Us American people should have paid better attention to the obamacare issues, but, when you are working 2 jobs and have a family to raise, there is very little time left, which our government knows.

Obama Sucks

BS!! I guarantee you waste many hours each and every week watching ignorant, mindless TV shows, so because of lazy scumbags like YOU that didn’t bother to research this fraudulent Act or to listen to those of us that DID, now the rest of us have to suffer for YOUR stupidity, and slothful laziness. Suck it up. YOU put us here, sh!t-stain.


I never voted for democrats because they support big corporations (big greedy insurance companies in this case) and “choke” small businesses like mine. Now this spread out on everyone :(

Lisa P.

Unfortunately, with all the red tape, I’m liable to be dead before ObamaCare is repealed. :-(


Anyone know what happens if you have one child over 18 that does not carry insurance because his paternal father did not do it? Should you just let him claim himself going forward to avoid paying fine on entire households income?

I am exactly in that situation. My adult son had some medical problems so he had been out of work and I’ve been supporting him AND paying medical bills for several years. Here is the catch 22…… he has NO income,, so when he tried to get Obama care they told him to try for Medicaid.. then Medicaid wants to know what I make and says he doesn’t qualify– I cannot afford to buy insurance for him– they send us round and round,,, Last year I paid out of pocket 26,000 for surgery he needed( I took it out of my retirement savings–I am currently retired).. I claimed him because of this and granted it helped my taxes to declare him, but I had to pay 982 dollars for his not having insurance. This year same thing— I paid several thousand in doctor bills.. he still can’t get insurance– I… Read more »

You qualify for an exemption… Do yourself a favor and make sure you do that…


You needed to go another way. Coverage for him could have been received under the ACA with discounts but only if you talk with someone that knows the law. Let me know if you want to know more.


I agree I get penalized for paying cash for mine and my son’s Dr. Visits! And now I have to pay a fine in top of that!


Just got my taxes done on Sunday was the irs took $ 899 dollars from my money for health care reform .


I was penalized like 270$ for only having health Insurance for six months of the year. So stupid! What happened to only getting penalized for not having it at all.


Hi, I work as a union laborer. I was sent a letter in the mail stating I was covered for 8 months. Do I just pay for the 4 months that I wasn’t covered?


I believe so…


obamacare is a socialist program. How dare he make Americans pay NOT to have health insurance. Thankfully, this socialist, enemy coddling , capitalism hating, America hating (and I could go on) will be gone soon. He’s done nothing but ruin the Country I love. Now we must defeat ole Hillary so obamacare can be repealed and our right to bear arms is protected; & lets not forget how our Troops have suffered between their pay/benefits and they do not have what they need to do their job. Obamacare & welfare are growing, while SS recipients received no raise in benefits. People pay into SS, taxpayers pay for welfare for lazy people and illegals; ultimately, Obama has screwed hard working Americans. Repeal obamacare!! God bless America & Our Brave Troops


No, Obamacare is a facist program. All these billions are not going to the government, they are going to the private health insurance companies. The problem is that people keep confusing health CARE with health INSURANCE, two very different things. The corporate owned government forced this on us so that billions of our tax dollars are transferred directly to the giant heath insurance companies. And don’t forget, John Roberts, a republican appointee, is solely responsible for this monstrosity not being ruled unconstitutional because of the evil mandate, which he ruled to be a tax rather than a what it is, a penalty.


John Roberts is leaving it up to “the people” to decide. Vote For Trump if you want obamacare repealed


Wouldn’t it be cheaper to just pay the fine?


It’s cheaper but still the idea of being penalized just because you did not but an insurance, that’s what is not acceptable. Pretty soon, we will be penalized for not taking a shower everyday.


Hay B O (Barack Obama) your insurance sucks to expensive and covers nothing by the time you reached the deductible your broke. We people need to show these heartless people who the boss is .


I did say the same thing ..ppl with preexisting health condition attacked me big time! Im like really??? I recently joined HealthCareMinistry..Sharing program…better donate money for a good cause then to this moron..or to whoever who doesn’t want to work and get free health insurance…nuh…..Ok. So he did what he did I guess…but why make the premiums and deductibles go so high?????? 12k for an individual and 350$ premium…WTF? middle working class can’t not afford that! He aimed this on lower income class…so they would get off free…all for votes! what country we live in!


Hard working Americans hate obamacare !!! We need to get rid of it


I’m sickened by the change in Obamacare from 2015 to 2016! Shame on the bastards that even came up with Obamacare. So many lives have been affected by this. We now need to decide which bills can wait and which ones need to be paid, how we will be able to pay rents, mortgages, cars, insurance..etc… to accommodate for this “Jokeomacare! Nice for the rich and government officials that don’t have a worry in the world. My family and I will be going “solo” in 2016. Bring on the fines. I will not pay into this bullshit system. I pray that Obamacare is repealed and replaced with a more suitable plan and that it happens very quick.


And next year the fines are even more….. EXTORTION at its finest


Why in the world is health insurance being funneled through the workplace in the US??? Auto insurance is not done like this. This is TERRIBLE for businesses and also gives larger companies an unfair advantage by creating higher costs percentage wise on the smaller businesses. Why should someone working at a larger company having cheaper insurance than someone at a smaller company. Again no sense at all. It also creates a massive amount of paperwork that slows down company operations.

Take businesses out of the health insurance equation! Keep the insurance markets unsubsidized and have it be individual point of sale.


I’d LOVE to see personal responsibility come to health insurance. I AGREE – GET THE BUSINESSES OUT! It started out as an optional employment perk and it’s just twisted into a nightmarish pretzel. I wonder where the support would come from to get employers OUT and let the policy-holders IN?! THEN…maybe we could afford coverage and balance things backwards. I agree that keeping people from healthcare who have health issues is wrong…the only thing worse is THIS nightmare.


This is Bull, ObamaCare is the biggest joke of this country I have ever seen. This so called President OBAMA has done nothing for the American hard working people. It is bull when working people have to put out over 5000.00 or more a year for Medical Insurance that pays not a dam thing until you meet high deductibles. Look you worse president of american history, if you wanted to raise taxes you should had just raised them. Better yet you want to do something good, resign.

Goodbye Obama

Obama, its easy to force people to pay for something when it doesn’t effect your pocket. Lord knows you don’t have to pay for you health insurance. Middle class suffers from your bullshit and executive orders. I can’t wait until we get another president in there to whipe out all of your bullshit “Obamadontcare about middle class” plans. You gave it a good run but it seems like your final stretch and decisions are becoming less and less impressive.


Obama should not have been ever put in office..he’s costing more than helping


So do u only get charge fee per month u don’t have it or by the dead line even if I get it in February would I still b charged the whole fee


If I had insurance starting on 2-4-2015 will I still pay a fine?


you would be liable for 1/12 of the penalty as it is prorated assuming you keep your coverage from Feb through end of year.


If 8%of my yearly income cannot afford the lowest priced plan am I Exempted? Does that mean If the lowest priced plan costs $8000 yearly and my income is $99500 yearly I am exempt from the fine?

Kenneth Massey

The only insurance I can get that is covered by the AHCA is well over the 8% of my houshold income.


just curious but how are families who cant afford healthcare going to beable to afford a 2 thusand dollar penlty??? doesnt make alot of sense


They will get it deducted from their return.


So if i get health insurance now, would i still be fined the 695 for not having it last year?


I just got penalized and I have insurance!!! My tax lady told me since I made 30,000 this year and only payed 104.00$ a month I am receiving a 750.00$ fine because the government feels I should be paying 170.00$ a month! This is all bullshit!


That is simple, when you initially signed up for the plan, you were asked if you want to take the tax credit off each month of your insurance payment, you chose to do so. At the end of year, when your actual income was higher than your estimated income that was stated on healthcare.gov, you owed back the tax credits that were overpaid. You could corrected this situation by logging back into healthcare.gov when you realized that your income would be higher and adjusted your income. It would have adjusted the remaining tax credit you were owed (which of course was less than your initial signup.

Same thing happened to me 2 years in a row. I prepared my own taxes . I make the same as you . One year I paid around 120.00 a month for a silver plan , the following year I paid about $ 190.00 a month for the silver plan ( hoping to not owe in around $750.00 again). Still had to pay in around $750.00. I even made almost $1,000.00 less this past year in addition to paying in more per month and they still charged me almost exactly the same dollar amount. Both years, never even used the insurance. Wish I had never got it and just paid the fines instead. I would have thousands of dollars in my bank account that are now forever gone. I had such good insurance through my workplace before all this and my young adult children were able to be covered through… Read more »

DAMN that sucks


Sadly, that is correct. You awarded a tax credit based on your income. So whatever yearly income you put when you completed your healthcare application that’s the amount that was taken until you file your taxes of course. At the end when you sign your application it lets you know that you when you file your taxes that amount will be compared to the amount entered. and if you recorded less or what you really earn, you will owe money and it comes out of your taxes. But if you recorded more than what you really make, you will be owed money and that will be added to your tax return. I’m sorry they took so much from your tax return.You should have looked into exemptions, see if you may qualify to avoid fees.


That can’t be right. You’re either not getting all the facts or your tax lady is screwing you. What type of coverage do you have?


Agreed, you need someone else doing your taxes; she is not correct.


Denise, she is correct. This is one of the “things”, we were warned was coming and was all over the news (not so much the liberal press) over the new year.


How is the penalty calculated if out of a family of four, only one parent was without insurance for the whole year? We did not qualify for subsidies, but insurance and deductibles were so expensive for just one of us and children.


This is the exact situation I’m in, except we are below the poverty level. I hope someone does come along to answer your question.


Nobody seems to understand a key reason for the trouble the world is in today. It is due to OVER POPULATION. We have TOO MANY people and not enough resources of any kind. Our fresh water resources and food supply can’t keep pace and don’t expect Health Care to keep pace. Go figure idiots. The world’s population doubled from 1910-1960, then DOUBLED AGAIN from 1960-2000. This had never happed in all of human history until after 1900. Look it up. Keep on having those babies and adding to the planets troubles! Alas nobody wants to FACE THE TRUTH!


YOur comment has nothing to do with the lies we were told about Obamacare, the prices or the penalties


Lilly…bless your heart. I hope you’re too young to vote

Trouble is most folks that say that aren’t willing to give up their seat or putting another baby on board. So we really need to get answers and solutions toward dealing with a huge population..Healthcare the BEST solution is to find ways to increase the number of people educated in working in those fields perhaps paying off student loans over time for work in free clinics or finding some way of increasing the number of teachers and classes in the healthcare field- implementing high tech classses online classes testing etc to effectivly bring good teachers to a higher number of students in a shorter amount of time — In EFFECT increase supply so the cost can come down. Reduce the amounts of tort claims while possibly increasing the number getting more people damaged by negligence defect etc relief while putting that relief in more realistic amounts so that the companies… Read more »

You failed to consider the real reason for outrageous healthcare and insurance costs: greed.


How can you get health insurance if they keep telling you that you don’t qualify because you supposedly you make too much money. I make 20.000.00 a year. This is bull crap! I work and pay taxes and can’t afford health insurance. Where is out rights! We shouldn’t be made to have this.

Antonio Riojas

This is extortion by the the government

kim lynch

my son is 32 lives with me and i claim him he dont work and dont have health care ins. will i be fined for hom if o claom him


Yes, unless you take a chance and lie, it’s as simple as checking a box, that’s what I’m going to do for my wife.


Affordable health act is anything but affordable!!! The cheapest my husband and myself can get is $781 a month!!! And the insurance is useless!! How in the world can a working family afford this?? We need change America!! We have no choice but to pay the fines for not having insurance. We can in no way pay these outrageous rates.


Agreed Mimi!
My husband and I pay $1,068 per month but when we reach our deductible of $6,800 each we can actually use it…..useless is right! It is terrible and I can not fit it into our budget no matter how much I cut.


How will the IRS know whether I had coverage in 2015 or not? What if I just lie and check the box that says I was covered? Are they really going to take the time to verify 150 million tax returns health coverage info?


If you are W-2’d it shows if you had health insurance or not….I agree and resent the fact we are “forced to take health insurance” that is useless and unaffordable! how they ever though this was affordable should be “forced” to pay for everyone’s health insurance……I can’t wait till Obama is out of office.


Yes, the IRS will verify. You might not get penalized right away but will receive a letter by the end of the year with the fee you owe for not having insurance as well as penalties…


Are you really going to take that chance and lie to the IRS? God speed, kid.


I’m still in shock and awe that our Congress sold us out to the insurance industry. How unamerican, selfish and duplicitous of them. My premiums tripled after Obsmacare in 2015. Now they have gone up another 25% for 2016. I can no longer afford it and will cancel coverage. Thanks Federal government.

Rich in Virginia

Pre-Obamacare plan – including dental with ABCBS of Va. $401/mth with $750 deductible.
Same plan under Obamacare – $1187/mth w/o dental and $4200 deductible.
New plan under Optima first year – $529/mth and $6000 deductible/$6200 OOP
New Plan Under Optima 2nd year – $593/mth and $6250 deuctible and $6350 OOP
If you don’t have insurance, then they will fine you and hold & or use your tax refund if you get one.

A SMART PERSON would make sure that based on your income, you only pay in what you will owe or even less than what you will owe. They can’t take what they don’t have yet!


Does “Medically Needy” count as insurance according the the ACA? Meaning does it meet the minimum coverage amount or whatever?


So confused do to an over sight my wife and I lost health coverage at the beginning of this year…found out in August that my coverage was dropped through my employer….I do not understand what my penatly will be we made approximately 94000 this year and in August my wife was able to get good health coverage through her employer while my employer said tough crap and left me hanging …stupid me I picked up temp insurance thinking this would cover me but discovered yesterday in the eyes of the gov i was not covered so my real question is is it gonna be like 6000 dollars for a fine or is it gonna be 2%….can I file separately taxes wise to reduce for both of us due to me only making 38000 could this reduce it ?


Hey Jerry, if your lapse in coverage is 3 months you will not owe a penalty and if you lost your insurance involuntarily you will not owe a penalty. Just for reference the penalty is the higher of 325 or 2% of your income with a cap of $975 per family.


You will pay for the months that there was not coverage. 1/12 of the potential yearly penalty for each month not covered. There are short term gap exemptions if she went no more than 2 months without coverage. 2015 there is a maximum penalty of 2% of your income. Goodluck.

Ace Hack
America protest by not paying into the so called affordable care act system. I can no longer afford it …can you? I’m not going to pay for it. Maybe if we all quit the system they will listen? The end is nearer than when we first began. One world government will soon be upon us…think about it. You know the world is run by the richest Moby’s. They own and run the Media…TV, NEWSPAPERS, HOLLYWOOD , ECT. dare I say government ? Ya think???…everything is bought and paid for by the elite. They have always tried to portray something catastrophic going on in this world with one scare or another The Nuclear war…Natural diasters the weather changes…Terrorist’s now. It is true those things exist but they hipe up the Fear …it’s still controlled by media and money and from the few richest in the world. They will try to scare… Read more »

My insurance has rose to almost $300 a month for 2016. I cannot afford that anymore. I was barely able to pay it before at $235. So, for 2016 I won’t have any. I make just under $30000 a year. But I’m single and living on my own. It’s either have health insurance and live in bad part of town where young women shouldn’t live or live decent and have no health insurance.

All my professional life I worked for companies that provided insurance at no cost or very little cost to me. And I was making between $55-60,000/year. In recent years, I have hit some hard times and was unemployed for more than a year because I was “overqualified”. I am now working for about half of what I was making before, no benefits at all, no holiday pay, no sick time, nothing. I have to pay rent, utilities, phone, car payment, auto and renters insurance. By the time the feds and the state take their slice of my income, I am running in the red every month. How the hell can I afford to pay $100-$200/month insurance premiums with astronomical deductibles. I have also noticed the incredible increases by the insurance companies on the deductibles and OOP limits. In this day and age, how can anyone making around $30,000/year afford that.… Read more »

Unfortunately, I’m facing the EXACT same scenario as you. My income is now half what it used to be, and I’m paying out more money than I ever have before. This “healthcare” plan will now cost me even MORE money that I DON’T have.




Agreed!!!! 150%!!

It isn’t about the “middle class”, it is about socialism for the lowest class. Many of you likely voted this moron in,,TWICE!! or didn’t vote at all. Most Americans are ignorant of the fact that their country as they knew it, is be eroded by quilt throwing PC. This bill was for nothing more than Obama’s “legacy”, pushed through by a liberal congress (not even read I might add) and his voters that will get it for free , or nearly free. Just look at the food stamp rolls and how they have doubled since the libs controlled EVERYTHING the 1st 4 years (08-12) No doubt there are a very few that honestly benefit and need this help, but it would have been cheaper for us all, if as a country, just paid for the 10-20 million that could prove the need through the system we already had. I’d rather… Read more »
Very sorry. I only wish everyone understood that this is just the beginning of what many of us knew would become a disaster. In my household, we pay hundreds of dollars to have the legally required insurance, but it covers NOTHING until we pay $10,000 or a little more. The premiums everyone must pay for that type of non coverage, coverage is a tax!!! That, my friends- is not insurance. It seems more like Mafia protection money. We have to pay money and not have coverage- or we will be penalized for not having coverage. (My apologies to the Mafia.) We’d be better off paying cash for everything. Again, I am so very sorry about your situation. I wish you blessings and good changes so that you will have the required coverage. Our premiums doubled and our deductible increased substantially. I hold the Democrats solely responsible for this mess. They… Read more »
Tim olson

The health care act is not a democratic thing the model was built around what Mitt Romany did in Massachusetts and the bill that Rand Paul introduced then it was taken from there I am not a Democrat or republican I vote for the candidate that I think fits my core believes the costs are driven by the drug companies and insurance companies until we stand up and take notice that these companies make our seniors chose between eating or buying there medicine that is the true travesty of the real problem

Here is what you people don’t understand – I think you all who are barking about health insurance premiums being not affordable — you all are the very same ones who will expect care if you get sick and will most likely default on paying your hospital or doctor bill so guess what happens? They raise taxes to take care of the deficit you create by receiving healthcare and not paying for it. Americans complain too much. Most times when people complain that they cannot afford something, it is clearly that they don’t want to pay for it. Stop whining! If you are truly that broke, the state has programs that will help subsidize, if you cannot get subsidy and they tell you, you are making too much to get help, then guess what? It is simply that this is not a priority for you. Change your priorities. Stop whining,… Read more »
LouLa, Perhaps the people here (“YOU people” as you put it) are tired of being taken advantage of. I see that there are a lot of hard-working Americans on this blog speaking their mind. If you even have a brain, “LouLa”, it should occur to you that insurance premiums have increased dramatically since the start of “Obama Care” but the quality of benefits has decreased (higher deductibles, etc). By the time the insurance premium is paid, there often is not much money left to ACTUALLY seek healthcare. People are conveying that it is increasingly difficult to pay bills when the government is embezzling money from us (not to mention that it is totally Communist in doctrine). So, why don’t you get your head out of your %#@ and you GROW UP and pinch yourself so that maybe you can wake up from the little fantasy world you appear to live… Read more »

You must have plenty of money is all I can say! It’s not priority it is survival! Americans should not be forces to buy something they can’t afford that’s the bottom line! And Obama care is a rip-off designed to make government officials richer and the working class poorer. Why don’t they live on minimum wage and try to raise a family? Their family is set for life thanks to hardworkingpeople trying to get by!! What an asshat you are to even think it is a priority.

So what about everyones situation before Obamacare? My family makes 60,000 year family of 6 , but keep in mind wven after taxes its not even that amount. We already had the badics 1 car payment 1 house mortgage payment and just reg utility bills and we skimped already on groceries , just the badics. So when obama care came into play we we coukdnt affird indurance for me it is too high at hubbys sork and through tbe exchange its like they fisnt care what peoplles situtatjkn was before So They expect is to let tbe van go bavk to bank i need my one decrnt car . Not like you can get out of a car oayment then u have bigger probkems not like I can sell my house how would i get another when its nit wirth what i paid for it 8 years ago . You… Read more »

Maybe you should have rented your house instead of buying it? Another brain-washing that is routinely done in America: buying house is NOT a good option for a lot of people, unlike what your government and society makes you believe.


I HAVE insurance..always have– my adult son does not but I have paid 100 percent for ALL his medical care.. Do you really think it is fair that I be penalized 2200 for that? No one has paid for us– but apparently I am paying for other people out there somewhere..


It’s obvious based on the comments whose paying for the insurance and who isn’t. You’re obviously not paying for it so you have NO FREAKIN’ CLUE what you’re talking about. I support a family of 6. My premium in 2015 was $2500 a month and in 2016, BCBS of NC reduced the doctors we can see and raised my monthly premium to $3100. My father-in-law thought I was lying until I showed him my bill. It’s not exactly “whiny” trying to decide whether to make my house payment or pay my health insurance bill.

Do all of us a favor and STFU. You have absolutely NO CLUE because you don’t have to pay for this BS.

I do agree with you Lou La. But have you looked at the amounts you need to make in this country to get help? We are a family of 4 I use to work so we never had this problem but I recently got hurt had major back surgery and according to my doctor I can no longer work. I’m not looking for a hand out but have 2 growing boys. I am still better off then some yes agreed I at least have a roof over my head. But a family of four has to make less then something like $28,000 a year. Tell me living on Long Island paying all these taxes how can we afford to pay these crazy prices? I agree some people just are winning like the guy who makes over $95,000 a year if you make that much you can afford it. But not… Read more »

I pay my doctor bills my self, if I go to the hospital I pay it…but I can’t afford this high insurance. I still have to pay the dam pinalty. .
So what’s your smart ass answer to that……………I have pay
For all the iligals or refugees. .because they get everything g free

This is so far from true its disgusting. Lets set up a quick scenario of child support.. Its not deducted from your gross income and its considered part of your income for almost every “helpful” program out there. The only assistance program I have found that takes child support into consideration is day care. So my husband pays around 6000 a year in child support. That money never enters into our household but it is considered our income. Both of our both of our car payments together are almost less then what he pays in support a month. Our rent is less. We also have no cable and straight talk phones. We receive no food stamps or other government assistance programs. We MAY qualify for a 9 dollar premium reduction a month on our insurance. We have a new baby and both work full time at decent paying jobs and… Read more »

Yes Yes Yes, life is very difficult. Try being the single parent. When I add up basic living, rent (to live in sub-stand housing), electric, car, auto insurance. And I don’t qualify for assistance. I truly don’t know what people do to dig out of these type of financial situations. There’s nothing left for food or clothing and now I’m suppose to pay for heath insurance. So what are we to do? I agree we should never be forced to consume a product especially one that only harms us and takes away our ability to provide true needs to our children and ourselves.

Mr. E
I can tell ur one that has the easy life. Someone like me who barely scrapes by every month, and truly can’t afford the extra bill, isn’t even able to get government assistance. I make just barely enough to kick me off government assistance and just barely over “shit” care act. Not to mention I do get sick and its cheaper for me to go to any other doctor than what shit care wants me to go to. When I can go to a doctor for under 75 bucks and my “insurance” wants me to pay 150+ to see a primary care doctor yeah I call it bull shit insurance and think it’s the biggest joke ever. Some people can’t afford this bull shit. My job offers insurance but its half my biweekly pay so yeah I can’t afford that either. So why don’t u put urself in our shoes… Read more »
Not true LouLa… some of us are actually in a situation where we can’t afford it and are not eligible for subsidies. If I buy coverage at work (the kind of plan that actually covers something, the one without a $10000 deductible) it would cost my husband and I $600 per month. We don’t make much, so based on income alone we would be eligible for subsidies, but the catch is because a plan is offered at my job we can’t get subsidies. On the state exchange a plan would still cost us over $500 per month. Some people actually cannot afford to pay $6500 per year for insurance we do not need, I’d rather take the fine. And the worst part is the whole family is penalized…. my husband is not offered insurance at work so you would think he could qualify for subsidies. But no… if one person… Read more »

I have worked my since I was 14 / now 56 and have gladly paid for health insurance and felt it was the right thing to do even though I rarely used it. Because my husband and I make $65,000 per year combined we do not qualify for help. We just signed up for the cheapest plan, which is all we can afford, for $924 per month. $6,800 deductible per person before they will pay anything including office visits.
This is basically a catastrophic policy with a high premium or in my opinion a tax. I do not blame Obama, I blame our government as a whole for allowing it to happen. People must stand together to oppose this….it is shameful.


That is more than 8% of your income, you should be able to qualify for a true catastrophic policy outside of the network but you must file for the exemption.


Not true Shane, “Catastrophic” plans are only available to ages 30 and under as I was told by the “exchange”, should also be in the faqs section of their website. From what I was told, these plans are geared towards low income students.


I have daca do I need to get me a insurance


Does anyone know the answer to this…

I have had insurance all year. My husband and I got married in June at which time I added him to my insurance. He, however, has been unemployed all year and therefore did not have insurance prior to me adding him. Will we have to pay a penalty?


He will have to pay a portion of a penalty- for every month he did not have insurance. if he was without insurance half the year, he will have to pay 50% of the penalty. Best of luck. I hope it’s not too much.


The fact that Chelsea’s husband was unemployed prior to them getting married will not qualify him for an exemption?

It is unfathomable to me that Americans do not demand single payer or a form of it from their elected reps or throw their reps out. The US is the only one of the 16 developed nations that does not have some form of single payer HC. Is everyone else in the world out of step or are we out of our minds? Our HC outcomes are rated 37th in world, our infant death rate is the highest in the industrialized world and our HC costs are double that of any of our industrialized competitors except Israel. How’s that for a competitive disadvantage? Look up how many deaths a year are attributable to hospital mistakes. It would take a staggering amount of 747’s to drop out of the sky to approach the total. Full disclosure. Wife has a history of breast cancer. No exchanges in our state. Monthy premium w/suppliment… Read more »

Those figures about USA healthcare are complete crap. Other countries ABORT all their babies and dont even try to save premie babies. We do and sometimes they dont make it.

Anyone who looks into these bullshit progressive communist claims about our health care will see how fabricated and twisted they are.

If you think you can get better heath care in 37 other countries you go for it. Its complete total bullshit.


I think it all went to heck- back in the 70’s when they started with the HMO. It has only grown more complicated. How many people do you see now before you see the doctor? We used to go to the dr, some had NO receptionists or assistants. Now, my doctor has two assistants, and two people up front before I ever see him. The paper work causes cost increases. The HIPPA laws added great burdens and expenses to our medical system. No one talks about that. We have some amazing strides and growth in the medical field, but it has been an uphill battle for the medical professionals trying to keep their heads above the demands of paper work, and managed care. We don’t need a single payer system, we need less intervention by non medical interventionists!


That’s because America doesn’t really care for its slaves, the powers that be only care about money and power , and how they can take it from us, .We are all slaves.NWO


I have health INS, but can’t afford to use it because of the high deductables, so I don’t understand why I should keep paying for it. I would rather pay into a medical savings account, not a use it or lose it plan but a savings plan.


I think its turning into a communist government, the way they tax you for not having insurance, and give it to to people who are over here illegally. I’m voting republican this time , they say that they will get rid of this obamacare forced insurance.


I will be forced to react the same way, (voting republican). Carson understands the problem, however might have to do Trump, the front runner. I’m a democrat, I don’t want Hillary. I’m way off subject, I might just not vote and see how it all turns out.


No. You have to vote! Many people died for our right to vote. I agree I don’t want Hillary and I don’t see a Republican I trust, esp. loony Trump who seemed like a good man at first. Too bad he is showing that for a supposed smart business man that he is immature. Anyway. I have friends who lost jobs in the insurance field due to downsizing in their companies because of Obamacare. Also the deductibles are too high from what I read on here. Does anyone see yet any stats re: the rate of people needing medical assistance is going down due to Obamacare? I do give the credit where it is due that there are more lower income people seeking medical care. Do we have enough Drs. to care for them?


Um, as far as I know, no one “died” for our “right” to vote. Unless you consider some of the shipwrecked pilgrims… (and I’m not going into the mess of women’s vote, Black’s vote, etc, because no one HAD to die to get the right) But “we” came to this country to get basic freedoms: Greek, Spanish, British, Polish, German, etc. But no one died fighting for our voting rights. Unless you can enlighten us all…..


You’re not a true democrat if you’d vote for the other party, just as a Republican wouldn’t be a true Republican if he/she would vote for the other party.

If you sympathize with liberal ideas, but would vote for a Republican because the Democrats have lost touch with reality on a specific political talking point/piece of legislation, then I would have to say you’re a Realist who sympathizes with liberal principles, not a Democrat. Because to a party, what the party wants will always matter more than personal opinion.


What we need are incentives for people taking better care of themselves and not using much health care.Obamacare moves in the opposite direction,incentivizing people to use more health care.Typical crazy Democrat logic.


It was and always will be a tax on the American people. I’m glad to see Obama gone next year. Hopefully things will get better for the middle class working American. It would appear that we the middle class making 40-50,000 a year maybe better off perusing a lower paying job and get on welfare. ….The whole affordable health care act is BS. It has cost me over 100.00 per month increase each year that the plan has been in affect. 2014. $258. 2015 $359 2016 $470 and this is a silver plan with tax credit. Can’t afford, so Obama you can go f… yourself . Your plan sucks. Tired of getting raped by the so called leader’s of our country.


Amen! I’m canceling insurance for my family so we will be without in 2016. I’m done with the games and the BS! You can’t force me to do anything. I’ll save the money each month what is comfortable for me to save and will pay out of pocket for my kids. The med centers with nurse practitioners at walgreens and cvs are great and it’s average $45 a visit! FU Obama, you terrorist! I have NEVER put the word president before his name. Let them tax me like the commy he is for not having insurance. I will find other ways to make up the difference! We can play games too.

Shane Billings
My insurance is going from $90/month with $5k deductible (it was a grandfathered policy) with generally fair copays, etc. to $285/month with a $6450 deductible that only provides a preventative “periodic health exam” at no charge and out of country emergency service. All else is not covered until deductible is met! Between my wife and I, this is the best plan that will cost us nearly $7k per year!! We LIVE IN A COMMUNIST nation now, thanks Barack Huessein Obama! Let in 10,000 Syrians who will get free coverage, and take the chance a few ISIS guys are in that bunch. VOTE REPUBLICAN to overturn our socialist government. What will my wife and I do, since we are self-employed? Raise our fees to our clients and stop non-essential spending such as retail purchases and dining out. Who will be hurt? The poor that this ACA was supposed to help because… Read more »
I received a letter from Blue Cross (my provider) last week informing me they no longer offer a PPO plan for individual plans and would be put into an Bronze HMO plan. I reviewed the plan and it pays nothing until I meet my deductible of $4,000. Of course the premium for my husband and I is $1,200 per month……for what appears to be nothing as we use Sav-on for our prescription coverage. In the same week I received a letter from my Neurologist at UT Southwestern stating they would no longer accept any insurance on the Affordable Care Exchange. I have Multiple Sclerosis and the only doctor I really must have is my Neurologist, which has been treating me for 12 years. My brother is an insurance agent and I informed him, I will be canceling my policy so I can afford to pay my doctor bills. He agrees… Read more »
Lynda Husband passed away Aug 2015, his employer took our insurance away the day he would have turned 65 jan. 1st 2015 ,after 35 years of employment. we had a 12 year old at the time of his death. Thank You Sunoco !! That was not in the plan , my parents that are 90 are still covered by company. Now I pay 998.00 a month for insurance for myself and my daughter. Increase notice for Jan. 2017 will be $1.298 dollars a month . I as a widow /single mother who was unpaid caregiver to my husband prior to his death and have not worked for 13 years raising our daughter and 57 years old can’t find work. First time in my life I will probably not get insurance for myself and just get good plan for my daughter she has severe asthma and allergies with medicine being high… Read more »
Mikel N. Toledo-Ohio
We have been a few years into this “Obama Scare” thing. Now what has happened to me personally, is that I had to buy an expensive plan from a website. I could not afford the premium, the deductible, meds, the actual bills and then co-pays. That was within the US Government system website that they call “Marketplace.” I actually got a job where the insurance premiums are included, as a service to it’s employees. I had issues before I knew could never be dealt with, due to Gov’t insurance mandated costs. These costs were much higher than I had on any self purchased insurances. I am noticing fewer companies in 2015, than were in existence earlier. Prices are going up too for co-pays, meds and tests. Face it folks, the cost never went down. We were even told be one political group that this “was a tax” and was unconstitutional.… Read more »

is against the law to force people to get health insurance if they don’t want it and what happened to the land of the free??


Most everyone did not research the documents that were out there on ObamaCare, they listened to the speeches, but wasn’t paying attention to what was really being said between the lines. Government and our President deceived the people they are suppose to be working to help. IRS should never been allowed to have anything to do with Insurance. The IRS and the insurance companies are raping the American People. Without insurance I can see a doctor for $90 a visit. With insurance that I can’t use because I haven’t reach my deductible (enough to buy a good used car), I have to pay $150.00 a visit.


it became the land of the greed.


Doesn’t anyone wonder why the president, vice president, their families and all of our elected officials on Capital Hill are exempt from Obamacare? This in and of itself should have been a MAJOR red flag to the American people, even though we had NO say or choice in this matter. Most of the voting elected officials didn’t even read the thousands of pages of Obamacare! Why would they when it was not affecting them- and they are making WAY MORE in yearly income than any of the 2 parents/ person working households across the nation.


I’m a 21 year old senior in college, I don’t have my parents around because I’m estranged from them-very complicated issues that couldn’t be worked through. For the past 8 months I’ve been paying a premium(under $80) I can afford for a plan I got off of the health care website. While I’m in school 9 months out of the year, I only stay with my boyfriend and his family during breaks. So I don’t have a solid home. I saw some of the plans available, and on a student budget, what I’m seeing is close to $200 per month (or $178 per month at lowest). I’m feeling like I won’t be able to afford insurance because my plan is being discontinued. Will I be able to get any exemptions?


Yes, there is an exemption for ” homeless”


My insurance has rose to almost $300 a month for 2016. I cannot afford that anymore. I was barely able to pay it before. So, for 2016 I won’t have any. I make just under $30000 a year. But I’m single and living on my own.


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