Obamacare, which is a nickname for the Affordable Care Act (ACA), remains law. As such, individual major medical insurance policies must be guaranteed issue. All individual major medical insurance must also include the 10 essential health benefits and no-cost preventive care as specified in the ACA.
However, the ACA’s individual shared responsibility payment will be repealed Jan. 1, 2019.1 That means you will not owe a tax penalty if you go without minimum essential coverage in 2019. If you were uninsured in 2018 and did not qualify for an exemption from the individual mandate, you could owe the penalty when you file your 2018 federal taxes.