Elmedina Karic
    Independent Life and Health Insurance Agent,
    No, not everyone need to get health insurance with Obamacare. Law is that everyone have to have health insurance or pay penalty, but health insurance does not have to be through Obamacare. For example: It can be employer provided or individually purchased. It comes down to individual choice, needs, and preference.
    Answered on November 13, 2013
  2. 5527 POINTS
    Marlin McKelvyPRO
    President, Consumer Directed Benefit Solutions, Memphis, Tennessee
    Well, not really.  As with so many other aspects of ObamaCare, there always seem to be exceptions.  While in general terms, it is correct to state that the individual mandate is in effect, there were a number of exceptions written into the original law which were then later further supplemented by other "hardship" exemptions being added to the list.  As such, there are government approved ways to avoid paying the individual mandate which is the penalty for not having compliant health insurance.  Some of the exceptions are narrowly crafted, while others don't require a lot of imagination as to how a lot of people could dodge the individual mandate penalty, especially with the relatively new hardship exemptions. (One of which is literally - Have you recently experienced the death of a close family member?)

    I can see a new cottage industry around tax time as people claim one of the hardship exemptions every year.  And then there are those like American Indian tribes and some religious sects and subscribers to a health care sharing ministry who are outright exempted from the law's provisions.

    So, oddly enough, ObamaCare seems to be evolving into a bizarre state of undercutting the strength of the individual mandate which it maintained was key to the program's success.  Do you really have to get ObamaCare?  No, you never did, you just faced the possibility of a penalty being withheld from a tax refund and it looks like the odds of avoiding even that penalty will be good for a sizable fraction of the penalty box population.
    Answered on May 21, 2014
  3. 712 POINTS
    John Cole
    Recruiter/Manager, Cole Insurance Investments, Charlotte N.C.
    No you do not health insurance under Obama care is just giving the government more power over your life such as if you live or not and no one should have that authority but our father in heaven.You can buy outside on your own in my opinion you can do what you wish but I don't think that would be a good decision.
    Answered on July 12, 2014
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