When Does Everyone Get Health Insurance? 
Starting in 2014 most all US citizens will be required to have an approved form of health insurance . Some exceptions are made for those with religious convictions . Most will receive health insurance through their employer or from the taxpayer -LRB- Medicare , Medicaid , SCHIP , etc. -RRB- . If you do not have an employer group health insurance plan or a taxpayer funded plan you will be required to purchase individual health insurance . Low income individuals may qualify for a premium subsidy if they purchase through a health insurance exchange . You may also purchase an approved policy off exchange through a health insurance agent or direct from a carrier . 