When Do You Have To Have Health Insurance By? 
As of 2014 , it will be against the law to not have qualified health insurance in place . Although the penalty is not substantial -LRB- less than $ 100 for an individual -RRB- , it will start increasing the following year . If you 're young and healthy and unlikely to utilize the policy , you can minimize your cost by selecting a `` Bronze '' contract . You may also be eligible for a federal tax subsidy that could save you money . A broker will help you quickly find the best options . As brokers , we charge no fees and provide the expertise to `` navigate '' the confusion of Obamacare . 