No health coverage

This page applies if you had no health coverage for all or most of 2015.

If you weren’t enrolled in qualifying health coverage for all or part of 2015, you must either claim a health coverage exemption or pay a fee with your federal income tax return.

FYI: If you didn’t have health coverage for only 1 or 2 consecutive months of the year, you may not have to pay the fee. You’ll report this exemption on your tax return. Learn more about this exemption.

  1. See if you qualify for an exemption

  2. Pay the fee if you don’t qualify for an exemption

    • If you chose not to buy health insurance in 2015 and don’t qualify for a health coverage exemption, you may have to pay a penalty with your federal tax return.
    • The penalty is based on your income and how many months you didn’t have coverage. Generally, the higher your income and the more months you didn’t have health insurance, the higher the fee.
    • Learn more about the penalty for not having coverage in 2015.

Health care tax resources

Calculate your penalty

Tax forms and instructions:

If you had no coverage for only part of 2015

See what to do if: