When Does The Mandatory Health Insurance Take Effect? 
Starting in 2014 , most people will be required to have health insurance or pay a penalty . Coverage may include employer-provided insurance , coverage they buy on their own or Medicaid . There will be groups who are exempt from the requirement to obtain coverage or pay the penalty . There will be subsidies available for some , to help with the cost of plans available on the health exchanges . I would recommend you sit down with a health insurance professional to review your personal situation and what options you could be eligible for to comply with the new health reform law . 