The mandate to obtain health insurance coverage will not change impact individuals in the United States who already have some form of health coverage.
For those who have health insurance through their job/employer, or are covered under another program, that coverage fulfills the requirement and the need not change it.
The requirement to have health insurance is satisfied (and therefore no tax penalty will be assessed) by any of the following:
- Health Insurance offered by an employer
- Medicaid or the Children’s Health Insurance Program (CHIP)
- TRICARE (for members of the military, service members, retirees, and their families)
- The veterans’ health program
- A grandfathered health plan that was in existence before the health reform law was enacted
Any combination of these sources of insurance will satisfy the requirement as long the combined coverage extends through the entire calendar year. However, a lapse in coverage could lead to tax penalties.
Those without one of these forms of insurance, or without consistent coverage for the entire year, or who are unhappy with the coverage they currently have, will have new options to obtain insurance though the Medicaid Expansion, and state Insurance Exchanges.