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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

What is the Penalty for Being Uninsured?

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Question: What if I don’t have health insurance?

Answer: You may have to pay a tax penalty if you are deemed able to afford health insurance. The “shared responsibility payment” is a new tax penalty that Americans have to pay if they can afford health insurance but choose not to buy it. It’s called a shared responsibility payment because everyone in the United States is now required to be part of our health insurance system - buying health coverage for themselves and their families rather than relying on others to pay for their care. Those who don’t buy health insurance in 2017 may be subject to the penalty, which is $700 per adult and $350 per child, to a maximum of $2,085. or 2.5 percent of their income, whichever is greater.


Rick, No. Any excess subsidy you may have received before you die would be recovered by the IRS on your final tax return. However if you use Medi-Cal to pay for nursing home care before you die, your estate could be charged for those expenses after you die.

When my wife and I die, will my estate have to payback any subsidy that we receive. Currently our income allows us to receive the maximum monthly amount.

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