What Happens If I Don't Sign up for Health Insurance?




The Affordable Care Act (ACA) requires you to have health insurance. The ACA is set up to make it easier for people who can't afford health insurance to get it. It is an attempt to make health care more affordable for everyone by reducing the number of people that can't pay their medical bills. When medical bills cannot be paid, doctors and hospital staff cannot be paid, supplies cannot be purchased and services dwindle. This causes prices to rise to cover medical supplies and services.


The ACA set up penalties for not having health insurance to try to keep people from not being able to pay their medical bills. This portion of the ACA was repealed in 2019, with the authority to enforce health care transferred to the states.


Enrolling in a health care plan is the right thing to do. It can keep costs down for everyone, and ensure you are taken care of when you need it. If you are under the age of 26, you can stay on your parent's insurance plan until you can afford your own, or you can enroll during the enrollment period.

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