What Is The Penalty For Not Having Health Insurance In 2014? 
In 2014 the penalty for not having health insurance under the Patient Protection and Affordability Act -LRB- PPACA aka Obamacare -RRB- will be the greater of $ 95 or 1 % of your income . This will increase to a total in 2016 to the greater of $ 695 or 2.5 % of your income . 