 [ Symptoms ] what if i want to opt out altogether and not have insurance coverage under the affordable care act [ 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