There is a minimum fine you have to pay regardless of income. If you make so much then it's a percentage of income. I want to say the minimum fine after 3 years is $960, but i forget exactly. The good thing is if you show your company insurance is over a certain percent of your income you get out of the fine. You just have to fill out some forms and send with the tax return.
As for us getting insurance our enrollment deadline for the company is the end of November. If one of us gets sick we would have to use the Healthcare marketplace and at best coverage would start the following month.
