Is It Bad To Have A Lapse In Health Insurance? 
A lapse in health insurance is only bad if you get sick or injured while the plan is not in force . It 's always been said that the best health insurance plan you can have is the one that 's in force when you get sick ... Also , be aware that if you are without credible coverage for more than 90 days -LRB- 1/1/2014 and after -RRB- you will be subject to a tax penalty of $ 95 or 1 % of your income , whichever is greater . To find out how to get the government to subsidize your health insurance premiums visit www.clminsure.com 