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ACA State Individual Mandate Penalty Calculator
The federal individual mandate penalty has been $0 nationwide since 2019. Only a handful of states (plus DC) still assess their own penalty for going without coverage.
ACA mandate penalty questions
Is there still a federal penalty for not having health insurance?
No -- the federal individual mandate penalty was reduced to $0 starting with the 2019 tax year. It still legally exists as a requirement in some contexts, but nothing is charged federally.
Which states have their own penalty?
New Jersey, California, Rhode Island, Massachusetts, and Washington DC currently assess a penalty for residents who go without qualifying health coverage. Vermont has a mandate on the books but doesn't charge a penalty for it.
Are there exemptions from the penalty?
Yes -- each jurisdiction has its own exemptions, commonly for short coverage gaps (under 3 months), financial hardship, religious objections, and income too low to require filing a tax return. Check your state's exemption list before assuming a penalty applies.