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If you do not have health insurance in 2014 and are obligated to pay, you may still be able to get coverage for 2015


published to March 15, 2015

Applications for 2015 have closed. However, if you are obligated to pay taxes because you did not have health insurance in 2014, and you do not yet have 2015 health insurance, you may still be able to get 2015 insurance.

In 2015, the fee for those without health insurance will increase to $325 per person or 2% of household income, whichever is higher. This fee generally applies if you can afford health insurance but choose not to purchase it. ExemptionIf you do not cover the rest of 2015, you run the risk of having to pay the uncovered fees again next year.

The good news is that the health insurance marketplace® provides individuals and families eligible for fees when filing their 2014 taxes a last chance to receive 2015 coverage. To take advantage of this special registration period, you must meet all of the following requirements:

  1. You were unaware that the Health Care Act required you and your family to have health insurance until after February 15, 2015 or how that requirement might affect you or your family I didn’t understand what to do.
  2. If you do not have insurance for more than one month in 2014, you will be charged.
  3. Not yet registered in 2015 Eligible Health Insurance Through the Health Insurance Marketplace® Or outside the Marketplace.

If all of these apply to you, you are eligible for a special enrollment period where you can enroll in the 2015 Plan. You can also keep your monthly premiums low. 8 out of 10 people can get a tax credit of $100 or less per month through the marketplace.

Special registration opportunities are available from March 15, 2015 to April 30, 2015.

let’s start HealthCare.govor call the Marketplace Call Center at 1-800-318-2596 to start your registration over the phone.

Please be careful:

  • If you incurred charges for not enrolling in 2014, but are already enrolled in the 2015 Marketplace plan, you will not be able to use this special enrollment period to switch plans.
  • Even if you get coverage through this Special Enrollment Period (SEP), you still have to pay the 2014 fee.
  • You do not need to file your 2014 taxes before enrolling in this SEP. You just have to pay the fee.
  • Anyone in the household can enroll in this SEP if someone in the household meets the criteria for this SEP.



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