You’ll have to pay a penalty if you don’t have health insurance in 2014. If you’re still uninsured, you have until March 31, 2014, to buy a policy on the a state health insurance exchanges without being subject to the penalty. The penalty starts at $95 per person or 1% of your household income, whichever is higher, which you’ll have to pay when you file your 2014 taxes next year. If you already have health insurance, your coverage is likely to meet the requirements. It can also help to check out prices for coverage on your state’s exchange if you currently have expensive COBRA or individual coverage and may might want to switch policies before open-enrollment ends on March 31—especially if you qualify for a subsidy to help with the premiums.