Is It Against The Law To Not Have Health Insurance? 
No . You can continue to not have health insurance , however , if you elect this option , you will have to pay a penalty -LRB- a `` shared responsibility payment '' is how they titled it I believe -RRB- . In 2014 , the penalties will be calculated as : 1 -RRB- 1 % of your yearly household income featuring a maximum penalty as the national average yearly premium for a bronze plan . 2 -RRB- $ 95 per person for the year -LRB- If under age 18 , then $ 47.50 -RRB- featuring a maximum penalty per family of $ 285 under this method . Its important to note that the penalty will change each year . In 2015 , method one increases to 2 % of your yearly household income and method two increases to $ 325 per person . In 2016 , it will increase again to 2.5 % for method one and $ 695 per person for method two . The penalty methods will be adjusted for inflation in later years . To avoid paying the penalty , you would need to have health insurance that qualifies as minimum essential coverage . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any other questions . Thanks very much . 