It’s open enrollment for the Affordable Care Act’s health insurance plans, and for a lot of private plans to boot.  With premiums skyrocketing in many places, some are wondering whether to buy at all.

But it’s still mandatory.  Those who don’t get insured risk paying a penalty.

How much?  A major foundation has built an online calculator.

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Speaker of the House Mike Johnson, R-La., faces reporters, joined from left by Majority Leader Steve Scalise, R-La. (left), Majority Whip Tom Emmer, R-Minn. (center), and Small Business Administration head Kelly Loeffler (right) at a news conference on day 27 of the government shutdown, at the Capitol in Washington, Monday, Oct. 27, 2025. (J. Scott Applewhite/AP)

Credit: J. Scott Applewhite/AP

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(Photo Illustration: Philip Robibero / AJC | Source: Getty, Unsplash)

Credit: Philip Robibero / AJC