 [ Symptoms ] i am 62 unemployed since january 2013 and have no income i also do not qualify for medicaid according to florida regulations as they have not expanded medicaid since i cannot get insurance under aca will i have to pay the penalty is there any other option for me [ Disease ] you will not need to pay the penalty unfortunately your options are limited to buying a private plan you will not be eligible for subsidies to buy insurance under the affordable care act