No Health Insurance? You're Running out of Time to Avoid an IRS Fine will double. In 2015, the cost of going without coverage doubles – or worse — to 2% of your yearly household income, or $325 per person for the year ($162.50 per child under 18). In 2016 it's 2.5% of income or $695 per person. After that, it's adjusted for inflation. Even if you're unemployed, you may have to pay the fee for lack of healthcare coverage, depending on your household income. If you simply can't afford health insurance you can apply for an exemption by completing an application available in the health insurance Marketplace (healthcare.gov)    more at url