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If you do not have coverage through an employer, you can buy an individual plan for yourself and your family during open enrollment through HealthCare.gov or directly from an insurance company.
Most people must have basic (minimum essential) coverage or pay a penalty.
Many people who can afford health insurance but decide not to buy it throughout the year will owe penalties when they file their taxes in the spring of the next year.
The penalty grows each year as follows:
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