Disponible en inglés: When do I need to have coverage to avoid a tax penalty?

Disponible en inglés: To ensure that you have coverage for the entire year, you should enroll in a qualified health plan by December 15 for coverage that will begin on January 1.

Under federal law, you will not face a penalty if you are uninsured for less than three months. But, since it can be hard to predict when you might face such gaps in coverage, you may want to ensure that you have coverage as early in the calendar year as possible.