If you don’t have qualifying health coverage, you must claim a health coverage exemption or pay a fee with your federal tax return.
If you can afford health insurance but choose not to buy it, you must have a health coverage exemption or pay a fee. (The fee is sometimes called the "penalty," "fine," "individual responsibility payment," or "individual mandate.")
Learn about the fee you pay if you don’t have health coverage.
Any plan that qualifies as “minimum essential coverage” counts as coverage under the health care law.
If you don’t have qualifying health coverage, in some cases you can claim a health coverage exemption. If you qualify for an exemption, you won’t have to pay the fee.
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