If you’re living in California and don’t have health insurance, you could be facing a hefty state tax penalty when you file your return. Fortunately, there are affordable health insurance options available—and we’re here to help you navigate them, whether you’re looking for individual coverage, family health plans, or Medicare options.
California’s Health Insurance Penalty: What You Need to Know
Since 2020, California law has required most residents to maintain qualifying health insurance coverage—also called Minimum Essential Coverage (MEC)—throughout the year. If you go without coverage for even a portion of the year, and you don’t qualify for an exemption, you may face a state-imposed tax penalty.
2025 Estimated Penalty Amounts:
-
$850 or more per adult
-
$425 or more per dependent child under 18
-
A family of four without coverage could face penalties exceeding $2,500
These penalties are enforced by the Franchise Tax Board (FTB) and are applied when you file your California income tax return.
You Have Options – We Can Help You Find the Right Plan
Whether you’re:
-
Self-employed or between jobs
-
Retiring and exploring Medicare
-
Looking for coverage on or off the health insurance exchange
-
Helping a family member get insured
-
Confused by your options or the subsidy process
…you don’t have to figure it all out on your own.
As a licensed health insurance agency , Insurance Incorporated can help you:
-
Compare Covered California plans and see if you qualify for financial assistance
-
Explore off-exchange plans from top carriers
-
Enroll in Medicare Advantage, Supplement, or Part D plans
-
Understand your rights, options, and potential penalties
-
Stay compliant with California’s coverage mandate
Don’t Risk the Penalty—Call Us Today for a Free Quote
Avoiding the penalty is easy when you have the right insurance partner on your side. Whether you’re new to health insurance or ready to review your current plan, Insurance Incorporated is just a phone call away.
📞 Call us today at 877-898-9333 to speak with a licensed agent and get a free, no-obligation quote on:
-
Health Insurance (on or off the exchange)
-
Medicare Plans (Advantage, Supplement, and Part D)
-
Family or individual plans tailored to your needs
Let us help you protect your health—and your wallet.
Insurance Incorporated
CA License #0235301
Your Health. Your Coverage. Our Expertise.
We make insurance easy. Call 877-898-9333 now to get started.
