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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Poll worker Gamble Everett prepares machines in the voting area before the polls opened on Tuesday, March 12, 2024, at the polling place at the Park Tavern, 500 10th Street NE in Atlanta. (John Spink/AJC)

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Ceudy Gutierrez reads a book to her 2-year-old son, Matias, at their home in Buford, GA, on Tuesday, Nov. 18, 2025. Ceudy Gutierrez is struggling to make ends meet for herself and her three young kids following her husband’s ICE arrest earlier this fall. (Miguel Martinez/ AJC)

Credit: Miguel Martinez-Jimenez