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Is the Obamacare mandate still in effect? Is there still a penalty for not having it?

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Ryan Kennelly
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pexels-roman-koval-2903063.jpgYes, the Obamacare is still the law of the land, however there is no more federal penalty for not having health insurance. A few states have their own penalty; see What is the penalty for not having health insurance in 2027?

Since 2019, there is no federal penalty for not having ACA coverage, so some healthy people choose short-term plans that are cheaper and offer larger networks, however these plans do not protect pre-existing conditions. 

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