I didn’t have health insurance last year how do I file my taxes?

Forum|Forum|6 months ago
February 24, 2026
2 replies
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TurboTax Online

xmasbaby0

Level 15

When it asks if you have a 1095A for marketplace health insurance, say NO and move on.

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**

TomK2023

Level 15

Since 2019, there is no federal penalty for not having health insurance. Simply answer "No" when the program asks if you had health insurance.

However, some States may charge you a penalty if you did not have health insurance... unless you qualify for an exemption:

States that may charge a penalty include:

California
Massachusetts
New Jersey
Rhode Island
District of Columbia (D.C.)

If you live in any other state, there is no penalty at all.

The program will automatically guide you through a list of exemptions (so any State penalty may be waived) such as:

Your income was below a certain level.
Insurance was considered "unaffordable" (usually more than ~8% of your income).
You had a short coverage gap (usually 3 months or less).
You experienced a hardship (homelessness, eviction, death of a family member, etc.).

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