 [ Symptoms ] in a auto accident now my lower back is hurting been a month why  i was in a car accident one month ago i cracked my rib and had whip lash in my shoulders and neck but two weeks ago my lower back started killing me it hurts from the time i get up till i go to bed is this still whip lash [ Disease ] the tax penalties associated with the affordable care act will change over the coming years if you choose not to get insurance in 2014 you will be charged 95 for each adult and 47 50 for each child but not more than 285 per family or the government may fine you 1 of your family income this will change in 2015 and again in 2016 webmd has more information at tax penalty at a glance who will pay & how much