However, your requirement to have insurance depends entirely on your location, as several states have established their own mandates and financial penalties. States with Insurance Mandates in 2026
: Penalties are approximately $950 per adult and $475 per child , or 2.5% of household income above the filing threshold, whichever is higher. do i have to buy obamacare insurance
The Individual Mandate for Health Insurance Coverage: In Brief However, your requirement to have insurance depends entirely