California Health Insurance Penalty Calculator

Introduction

California’s individual mandate requires residents to hold minimum essential health coverage or incur a penalty on their state tax return. This penalty is calculated based on your annual household income, the number of people in your household, and the number of months you went without coverage. Our free, mobile-friendly calculator helps you estimate your penalty quickly so you can plan your coverage and avoid unexpected costs.

How to Use the Calculator

1. Enter your Annual Household Income.
2. Select your Household Size.
3. Enter the Months Uninsured (1–12).
4. Click Calculate Penalty to reveal your estimated penalty amount.

Calculation Details

California penalties are the greater of:

• Flat Amount: $850 per adult and $425 per child, up to $2,550 per household, prorated by months uninsured ÷ 12.
• Percentage of Income: 2.5% of household income above the filing threshold (around $16,000), prorated by months uninsured ÷ 12.

Frequently Asked Questions

1. Who must pay?

California residents without qualifying coverage and not claiming an exemption owe the penalty. Visit Covered California for exemption details.

2. Are there exemptions?

Exemptions include short coverage gaps (<3 months), incomes below 138% of federal poverty level, hardship, and more. See CA FTB for full list.

3. How can I avoid penalties?

Enroll in a health plan during open or special enrollment periods, or claim an exemption.

4. When do I pay?

The penalty is assessed when you file your state tax return.

5. Explore more tools

Check our other resources at Explore more tools.

6. Disclaimer

This calculator provides estimates. For official calculations, consult a tax professional or the Franchise Tax Board.