Penalty If You Don’t Have Health Insurance

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If you didn’t have insurance in 2015, you may pay a penalty when you file this year’s taxes. You don’t have to pay a penalty if:

  • You are part of a federally recognized religion that prevents you from accepting insurance benefits, such as Amish.
  • You are a member of a recognized health care sharing ministry.
  • You are a member of a recognized American Indian tribe.
  • You are an undocumented immigrant.
  • You are in jail or prison.
  • You are not required to file federal income tax because your income is below the filing level.

For 2015, individuals under age 65 did not have to file taxes if they earned less than $9,750. For a married couple under age 65 filing taxes together, this was income below $19,500.

You do not have an affordable health insurance option available. This means:

  • Health insurance would cost more than 8% of your income.
  • You would have qualified for Medicaid if Missouri had chosen to increase eligibility. The expansion would have covered individuals with income below $15,521.10 and a family of four with income below $31,720.50.

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