Will I Have To Buy Health Insurance Under Obamacare? 
The purpose of obamacare or health Care Reform is so that every American has health insurance . There is no penalty in 2013 for not having a health plan but in 2014 , if you do n't have health insurance , the penalty starts at $ 95 and subsequently get worse for the following years . If you have a health plan from your employer you are good to go . If not , you will be able to purchase health insurance plans on you state 's health insurance exchange . 