What happens if I don’t have insurance — will I get penalized or stuck with huge bills?

There is no federal tax penalty for not having health insurance.

However, some states or cities may have their own rules, so it’s smart to check local requirements if you’re unsure.

The bigger risk is cost. Without insurance, you may be responsible for the full price of care. A simple emergency room visit can cost a lot, and a hospital stay can be thousands of dollars. Medical bills can add up fast and be hard to pay off.

Health insurance protects you from those big costs. It also gives you access to preventive care, like check-ups and vaccines, which can catch problems early and keep you healthier.

If you don’t have insurance now, look into discounts and programs you might qualify for. Many people are surprised to learn they can get help that makes coverage affordable.

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