If someone who can afford health insurance doesn’t have coverage in 2014, they may have to pay a fee. They also have to pay for all of their health care.

The fee is sometimes called the “individual responsibility payment,” “individual mandate,” or penalty.

When the uninsured need care: People without health coverage who pay the penalty will also have to pay the entire cost of all their medical care. They won’t be protected from the kind of very high medical bills that can sometimes lead to bankruptcy.

For more information visit www.Healthcare.gov