The policy forces individuals opting out of any form of health insurance to pay a “penalty fine”, which is more appropriately a tax
. You must be signed up for health insurance
by December 25, 2013 in order to Obamacare penalty. The original Obamacare penalty maxes out at $285 or one percent of the income for a family of four. In 2016, the Obamacare penalty maxes at $695 per person, $2,085 for the family, or 2.5 percent of taxable income, which amounts to $173.75 per month.