 [ Symptoms ] i am 27 laid off out of unemployment and going to school with help from my parents  i can not afford to buy health insurance with no income will i have to pay a fine i can not pay either [ Disease ] if you have no income do not qualify for medicaid and can not afford insurance you will likely get a pass from the government on the fine you can read more about it on the health reform 101 blog which has a post about the details of what exempts someone from the penalty