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To avoid the penalty for not having insurance you must be enrolled in qualifying health coverage (sometimes called "minimum essential coverage").
If you're covered by any of the following types of plans, you're considered covered under the health care law and don't have to pay a penalty.
See a more detailed list of types of plans that do and don’t count as qualifying health coverage from the IRS.
Some products that help pay for medical services don't qualify. If you have only this kind of product, you may have to pay the fee. Examples include:
The penalty is 1/12 of the annual amount for each month you or your tax dependents don’t have coverage. If you’re uncovered only 1 or 2 months, you don’t have to pay the fee at all. Learn about the “short gap” exemption.
Any plan that meets the standards for qualifying health coverage counts under the health care law. If it does, you won't have to pay the fee.