 [ Symptoms ] are people without insurance required to purchase it what if they do not [ Disease ] everyone is required to show proof of health coverage or pay a tax penalty that penalty is 95 per adult or 1 of their annual income whichever is the greater number and 47 50 per child beginning in 2014 a maximum of 285 per family then that penalty increases in subsequent years it goes to 325 per adult in 2015 family max of 975 and 695 per adult in 2016 and beyond family max of 2 085 those percentages rise to 2 in 2015 and 2 5 in 2016 in several cases you can get a hardship exemption so you do not have to pay the penalty if you can not afford it or on a case by case basis for other reasons