Beginning January 1, 2020, all California residents must either:

  • Have qualifying health insurance coverage
  • Obtain an exemption from the requirement to have coverage
  • Pay a penalty when they file their state tax return

To avoid a penalty, you will need qualifying health coverage for each month beginning on January 1, 2020 for:

  • Yourself
  • Your spouse or domestic partner
  • Your dependents

Many people already have qualifying health insurance coverage through:

  • Employer-sponsored plans
  • Coverage purchased through Covered California or directly from insurers
  • Medicare
  • Most Medicaid plans

For information about other exemptions that may apply, see the .

Use this tool to estimate the penalty you may owe. Use to get an accurate penalty amount.