What's the penalty for not having insurance?
In 2014: The fee is 1 percent of your yearly income or $95 per person for the year, whichever is higher, plus $47.50 per uninsured child. Family maximum: $285.
After 2014: The fee increases, and by 2016 it is 2.5 percent of income or $695 per person, whichever is higher.
Anyone who should have insurance considered "minimum essential coverage'' and doesn't for at least nine months of the year.
What kind of insurance do I need to avoid the fee?
• Any marketplace plan or individual insurance plan you already have.
• Any employer plan (including COBRA), with or without "grandfathered" status. This includes retiree plans.
• Children's Health Insurance Program
• Tricare, veterans health care programs and Peace Corps volunteer plans
What kinds of health insurance don't qualify?
• Plans that cover only vision or dental care
• Workers' compensation
• Coverage only for a specific disease or condition
• Plans that offer only discounts on medical services
Which uninsured people are exempt from the fee? Those who:
• Are uninsured for less than three months of the year
• Can't afford coverage because of very low income
• Don't have to file a tax return because their income is too low
• Would qualify under the new income limits for Medicaid, but their state (like Florida) isn't expanding Medicaid eligibility
• Are members of a federally recognized Indian tribe
• Participate in a health care sharing ministry or belong to a recognized religious sect with religious objections to health insurance
• Are undocumented immigrants
• Are incarcerated
What if you miss open enrollment?
After open enrollment ends on March 31, 2014, you can't enroll until Oct. 15, 2014, for coverage beginning Jan. 1, 2015, unless you have a qualifying life event.
What's a qualifying life event?
A move to another state, certain changes in your income, changes in your family size (because of marriage, divorce or having a baby, for example).
What about Medicaid?
Though Florida is not expanding eligibility for Medicaid, the government insurance program for the poor, it is thought that many people who didn't know they or their children qualify under existing rules will discover this fact through the marketplace. That's because applying in the marketplace automatically tells you if you can get Medicaid. You can sign up for Medicaid at any time of year and, if you qualify, you are covered immediately.