Do I have to have health insurance?


The simple answer is “yes,” almost everyone, under the new Health Care Reform Law will be required to have health insurance coverage whether through their employer or through the Marketplace, also known as Exchanges, beginning on January 1st, 2014. There has been a six week extension (until March 31, 2014) for individuals to sign up for coverage and avoid the fine. You can begin to purchase individual coverage which will meet the requirements of Health Care Reform now - regardless of when the deadline is to avoid the penalty - to ensure that you have quality insurance in place for you and your family.  

Possible exemptions from this new law include:

  • Those with certain religious beliefs that oppose the acceptance of benefits from a health insurance policy
  • Members of Native American Tribes
  • Undocumented immigrants
  • Individuals in prison
  • Individuals whose income is below a certain level


In order to be able to afford the mandated insurance, some people will qualify for a Premium Tax Credit (also known as a subsidy) to help with the cost of coverage. To find out if you may qualify for a subsidy, cost sharing benefits or Medicaid, CLICK HERE.  

Costs of Not Having Insurance:

Under the law, those who don’t have coverage will be responsible for paying all of their medical bills out of pocket and most people will have to pay a fine. For 2014, if you don’t have coverage you may owe a fine of $95 per adult and $47.50 per child (up to $285 per family) or 1% of family income, whichever is higher. Over the next few years that fine will continue to increase dramatically. In 2015, the penalty will be $325 per adult and $162.50 per child (up to $975) or 2% of family income, whichever is greater. Penalties in 2016 and beyond will be $695 per adult and $347.50 per child (up to $2,085 for a family) or 2.5% of income, whichever is greater. Fines will be prorated based on the number of months that you and your family go without coverage but there is no penalty for a gap in coverage of less than 3 months.
So, yes, it is now a federal requirement that you will have to have health insurance. Shopping for health insurance is a new and sometimes overwhelming experience. Kelly Benefits Exchange is here to assist you every step of the way.


If you’re ready to shop for a health coverage plan, click the button below. You’ll start by completing 3 easy steps which will determine how we can best assist you.





Health Care Reform mandates do not apply to citizens 65 or older. If you are 65 or older
CLICK HERE to learn more about resources, such as Medicare, that are available to you.



Do you have individual insurance questions? We have the answers.
Contact Kelly Benefits Exchange today! Call 877-968-3924

Kelly Benefits Exchange is your destination for Individual & Family Health Insurance Quotes.

We are here to serve the individual health insurance needs of you and your family as mandated by the Affordable Care Act (ACA). On this site you can purchase the right health insurance plan that meets your unique needs and budget as well as understand if you qualify for government assistance (also known as premium tax credits or a subsidy). 


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