Obama plan mandating health insurance

(The fee is sometimes called the "penalty," "fine," or "individual mandate.") Starting with the 2019 plan year (for which you’ll file taxes in April 2020), the Shared Responsibility Payment no longer applies.

The penalty you pay for not having health coverage is either a dollar amount or a percentage of family income, whichever is greater.

If a health insurance risk pool is large enough and has enough healthy people paying premiums, then there will be enough money available to cover the costs of those who get sick.

The rationale behind the individual mandate is that if everyone is required to have insurance—especially healthy people—the risk pools will be broad enough to lower premiums for everyone, even those with expensive medical conditions.

So do Medicare, Medicaid and the Children's Health Insurance Program.

Also qualifying: Tricare insurance for military service members, retirees and their families; veterans' medical benefits; individual health care policies that provide a certain minimum level or benefits; and any plan that existed before the law was enacted and has been "grandfathered in" by the federal government.

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He said the department only refused to defend the pre-existing conditions provision as well as one forbidding insurers from charging people in the same community different rates based on gender, age, health status or other factors.

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