On Jan. 1, most Americans are required to have health insurance. Uninsured individuals are exempt from the law and subsequent financial penalties if they:
* Cite a religious objection to the requirement.
* Are a member of one of the following groups: Native American tribes, people living in the country illegally, prison inmates or a health-care sharing ministry.
* Are uninsured for less than three months of the year, such as someone between jobs.
* Make an income low enough that health coverage is considered unaffordable or low enough they don’t file federal income taxes.
* Would qualify for the expanded Medicaid program for poor Americans, but the state where they live isn’t broadening its requirements (Florida is one of 16 such states)
Source: U.S. Department of Health and Human Service