List of States With Individual Mandates for 2022

A List of States With Mandates: State-based Health Insurance Requirement and Fee for 2022

Here is a list of states where you have to buy health insurance for 2022. Although the fee for not having health insurance has been reduced to $0 on a federal level since 2019, some states still have an individual mandate.

NOTE: Please note that mandate requirements are subject to change based on changes to state law and other factors each year. Please verify the requirement with your state website (linked below) each year.

States that have their own mandate for 2022 include: California, the District of Columbia, Massachusetts, New Jersey, Rhode Island, and Vermont (mandate, but no fee for Vermont).

States considering a mandate for the future: Connecticut, Hawaii, Maryland, Minnesota, and Washington.

How Much is the fee for not having coverage? The fee differs by state. Although most states with mandates use a very similar penalty to the previous federal mandate, it is important to note that state mandates are subject to change and states are subject to unique rules (see some examples of rules on eHealth). Please make sure you understand your responsibilities as a taxpayer in your state before choosing to enroll or not. You can see more details on UnifyHR.

Author: Thomas DeMichele

Thomas DeMichele is the head writer and founder of,, and other websites. He has been in the health insurance and healthcare information field since 2012. is a...

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