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Since the Affordable Care Act (ACA) has come into effect, individuals who do not have health insurance coverage are subject to an annual penalty in the form of a fine. Understanding the ACA and its consequences can help you avoid unnecessary penalties and find the right insurance. As of 2016, persons who do not hold health insurance coverage during the tax year are subject to fines in the greatest amount of any of the following:

  • Percentage of income
    • 2.5% of household income
    • Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace
  • Per person
    • $695 per adult
    • $347.50 per child under 18
    • Maximum: $2,085

To avoid penalties incurred by lack of coverage, start shopping for your individual or family health insurance plan in the Michigan Health Insurance Marketplace today.