Do I really need health insurance if I'm young and healthy?
That's a question only you can answer, but here are some things to consider.
You'll be more likely to get preventive care when you have insurance. That can help you stay healthy. If you buy a plan through your state's Marketplace, many preventive health services will be available to you free at the time of your visit.
If you use prescription birth control , you'll save money if you have insurance. Plans sold through your Marketplace provide contraceptive counseling and FDA-approved birth control at no additional cost. That includes birth control pills (oral contraceptives ), diaphragms, and the shot Depo Provera . Of course, you'll still need a prescription for those types of birth control.
One illness or accident without insurance can cost you a lot. Being treated in the emergency room for a urinary tract infection or a sprained ankle , for instance, could cost you thousands of dollars. See " Can You Afford Not to Have Insurance? " to compare costs with and without insurance.
What if I don't get any health insurance regardless of the law?
If you choose not to get any health insurance, you may be required to pay a fine. For 2014, that fine is $95 per adult or 1% of your income, whichever is greater.