Unless you have an exemption, the Affordable Care Act now requires all citizens to carry health insurance. Subsidies are available for those individuals with low incomes. The subsidies will lower the premium and the deductibles. You must buy the insurance through healthcare.gov to be eligible for the subsidy. There are tax penalties for those who do not comply with the law. For more information and to see if you qualify for a subsidy, call us at 1-877-290-4200.