Without Health Insurance Penalty. Some states still require you to have health insurance coverage to avoid a tax penalty. One of the key components of the original version of the affordable care act (aca) was the “ individual mandate.”in the world of health insurance, that means a requirement to have health coverage.
Massachusetts, new jersey, rhode island, california, and washington d.c each have their own insurance mandates and penalties. Keep in mind the fee for individuals. The affordable care act (aca) imposed a tax penalty on individuals without health insurance starting in 2014.