Requirement for Health Insurance Coverage

Individuals must obtain health insurance coverage for themselves and their dependents that meets minimum standards.

For 2016, individuals must enroll by January 31, 2016, which will give them coverage starting March 1. Earlier enrollment yields earlier coverage: people enrolling by December 15, 2015, can be covered as of January 1, 2016, and those enrolling by January 15, 2016, can be covered starting February 1.

Individuals must be covered at least nine months out of twelve and gaps in coverage may be no more than three months.

For further information, see pages 53646-53651 of “Shared Responsibility Payment for Not Maintaining Minimum Essential Coverage” at >