At the federal level, you are to buy "Obamacare" (Affordable Care Act) health insurance . While the individual mandate technically remains part of the law, the federal tax penalty for not having coverage was reduced to $0 starting in 2019.

The Individual Mandate for Health Insurance Coverage: In Brief

: While penalties are gone federally, subsidies (Premium Tax Credits) remain available on the HealthCare.gov Marketplace to help lower monthly costs for those who choose to enroll.

: Penalties are approximately $950 per adult and $475 per child , or 2.5% of household income above the filing threshold, whichever is higher.