What To Do When You Have No Health Insurance? 
Under the affordable care act , you must have health insurance or you will be subject to paying a penalty . You can apply for coverage during the annual open enrollment period -LRB- or outside it if you qualify for a special enrollment period -RRB- . If you did n't have health insurance before the ACA went into full effect due to premium affordability , you may now be eligible for a subsidy that can be used to reduce your premiums . I would recommend talking to an experienced broker who can look at options from multiple companies to see which one will be most suitable to your needs and your budget . Please let me know if I can be of assistance . 