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Consumer Alert: not Having INsurance Will Cost You 

Commissioner Miller is reminding consumers that there is still time left in Open Enrollment to purchase health insurance. Open Enrollment began on November 1, and continues through January 31.

The Commissioner is also alerting consumers that the penalty for being uninsured will increase significantly this year. Those who do not have health insurance would incur this fee when filing their federal taxes.

Uninsured persons will be required to pay the greater of two amounts: a flat fee of $695 per adult plus $347.50 per child with a maximum of $2,085 per family, or 2.5% of family income in excess of 2015 income tax filing thresholds ($10,300 per person, $20,600 per family). According to an analysis by the Kaiser Family Foundation, if you qualify for subsidies, in many cases the cost of the insurance plan will be less than the penalty. 

Many uninsured people do qualify for subsidies, making health insurance more affordable. To enroll, and to learn more about subsidies, visit

Need help shopping? Check out our shopper’s guide and watch our video on the important factors you need to consider when choosing a plan. If you’d like in-person assistance, you can contact an insurance agent or a marketplace navigator in your area.