: Uses a sliding scale based on income; monthly penalties can range from $23 to $135 per adult .
: Penalties start at $695 per adult and $347.50 per child , capped at $2,085 for families, or 2.5% of income.
: Has a mandate to report coverage but currently imposes no financial penalty for being uninsured. Key Considerations for 2026 do i have to buy obamacare insurance
If you reside in one of the following jurisdictions, you may face a state tax penalty if you do not have qualifying health insurance:
: Matches New Jersey's formula with a $695 per adult minimum or 2.5% of income. : Uses a sliding scale based on income;
: While individuals generally aren't fined federally, "Applicable Large Employers" (50+ full-time employees) still face federal penalties if they fail to offer affordable coverage.
However, your requirement to have insurance depends entirely on your location, as several states have established their own mandates and financial penalties. States with Insurance Mandates in 2026 Key Considerations for 2026 If you reside in
: Penalties are approximately $950 per adult and $475 per child , or 2.5% of household income above the filing threshold, whichever is higher.