Affordable Care Act - Individuals

The 2016 penalty is the greater of: $695 per year ($2,085 maximum per family), or 2.5% of household income. There was no penalty in 2013. The penalty is phased in over time. Beginning in 2014, U.S. citizens and legal residents must carry health insurance or be subject to a penalty. The 2014 penalty was the greater of: $95 per year ($2,085 maximum per family), or 1.% of household income. The 2015 penalty was the greater of: $325 per year ($2,085 maximum per family), or 2.% of household income.