There Are New Health Care Insurance Rules.
Are You Covered?
In January 2014, most Americans were required to have health insurance.
People who don't have health insurance will need to buy it or pay a penalty. If you can't get affordable health insurance through your job, starting October 1, 2013, you can buy quality health coverage for you and your family through the Missouri Health Insurance Marketplace. You'll also see if you can get financial help to buy health insurance.
Penalties
Penalties
Adult
Child
Income
2016 Penalties
$695
$347.50
OR 2.5% of Income
2017 Penalties
$695
$347.50
OR 2.5% of Income
Disclaimer: Penalties are accessed for every calendar month without qualifying coverage.
Penalties - Individual (1 Adult)
FPL 2013
100%***
133%***
150%
200%
250%
300%
350%
400%
2013 Household Income*
$11,490
$15,282
$17,235
$22,980
$28,725
$34,470
$40,215
$45,960
Employee's Annual Penalty 2015
$325
$325
$345
$460
$575
$689
$804
$919
Employee's Annual Penalty 2016
$695
$695
$695
$695
$695
$862
$1,005
$1,149
Penalties - Family of 2 (2 Adults)
FPL 2013
100%***
133%***
150%
200%
250%
300%
350%
400%
2013 Household Income*
$15,510
$20,628
$23,265
$31,020
$38,775
$46,530
$54,285
$62,040
Employee's Annual Penalty 2015
$650
$650
$650
$650
$776
$931
$1,086
$1,241
Employee's Annual Penalty 2016
$1,390
$1,390
$1,390
$1,390
$1,390
$1,390
$1,390
$1,551
Penalties - Family of 3 (2 Adults, 1 Child)
Adults age 40, child age 21 or under
FPL 2013
100%***
133%***
150%
200%
250%
300%
350%
400%
2013 Household Income*
$19,530
$25,975
$29,295
$39,060
$48,825
$58,590
$68,355
$78,120
Employee's Annual Penalty 2015
$975
$975
$975
$975
$977
$1,172
$1,367
$1,562
Employee's Annual Penalty 2016
$2,085
$2,085
$2,085
$2,085
$2,085
$2,085
$2,085
$2,085
Penalties - Family of 4 (2 Adults, 2 Children)
Adults age 40, children age 21 or under
FPL 2013
100%***
133%***
150%
200%
250%
300%
350%
400%
2013 Household Income*
$23,550
$31,322
$35,325
$47,100
$58,875
$70,650
$82,425
$94,200
Employee's Annual Penalty 2015
$975
$975
$975
$975
$1,178
$1,413
$1,649
$1,884
Employee's Annual Penalty 2016
$2,085
$2,085
$2,085
$2,085
$2,085
$2,085
$2,085
$2,355
Penalties - Family of 5 (2 Adults, 3 Children)
Adults age 40, children age 21 or under
FPL 2013
100%***
133%***
150%
200%
250%
300%
350%
400%
2013 Household Income*
$27,570
$36,668
$41,355
$55,140
$68,925
$82,710
$96,495
$110,280
Employee's Annual Penalty 2015
$975
$975
$975
$1,103
$1,379
$1,654
$1,930
$2,206
Employee's Annual Penalty 2016
$2,085
$2,085
$2,085
$2,085
$2,085
$2,085
$2,412
$2,757
Penalties - Family of 6 (2 Adults, 4 Children)
Adults age 40, children age 21 or under
FPL 2013
100%***
133%***
150%
200%
250%
300%
350%
400%
2013 Household Income*
$31,590
$42,015
$47,385
$63,180
$78,975
$94,770
$110,565
$126,360
Employee's Annual Penalty 2015
$975
$975
$975
$1,264
$1,580
$1,895
$2,211
$2,527
Employee's Annual Penalty 2016
$2,085
$2,085
$2,085
$2,085
$2,085
$2,369
$2,764
$3,159
Penalties - Family of 7 (2 Adults, 5 Children)
Adults age 40, children age 21 or under
FPL 2013
100%***
133%***
150%
200%
250%
300%
350%
400%
2013 Household Income*
$35,610
$47,361
$53,415
$71,220
$89,025
$106,830
$124,635
$142,440
Employee's Annual Penalty 2015
$975
$975
$1,068
$1,424
$1,781
$2,137
$2,493
$2,849
Employee's Annual Penalty 2016
$2,085
$2,085
$2,085
$2,085
$2,226
$2,671
$3,116
$3,561
Penalties - Family of 8 (2 Adults, 6 Children)
Adults age 40, children age 21 or under
FPL 2013
100%***
133%***
150%
200%
250%
300%
350%
400%
2013 Household Income*
$39,630
$52,708
$59,445
$79,260
$99,075
$118,890
$138,705
$158,520
Employee's Annual Penalty 2015
$975
$1,054
$1,189
$1,585
$1,982
$2,378
$2,774
$3,170
Employee's Annual Penalty 2016
$2,085
$2,085
$2,085
$2,085
$2,477
$2,972
$3,468
$3,963
* Income based on 2013 FPL standards.
*** Amount depends on whether your state participates in Medicaid expansion.
