When Do We Have To Have Health Insurance? 
The Affordable Care Act -LRB- Obamacare -RRB- states that if you do not have health insurance by January 1st , 2014 you run the risk of paying a penalty . An independent agent can show you plans from all the major carriers and help you determine which plan would best fit your needs . The best part is you the service is free . The insurance carriers by the independent agent for business they write . You save lots of time by looking at lots of plans from many carriers and you get unbiased advice from the independent agent . You can run health insurance quotes on our website by clicking `` other '' and going to under 65 health insurance section . For folks 65 and over they can run Medicare supplement quotes on our website as well . 