The 2015 health insurance penalty for persons not covered by health insurance has increased significantly. When the health insurance penalty rolled out in TY 2014, it was $95 per person or 1% or their income. The penalty for TY 2015 $325 per person or 2 percent of their income. Persons eligible for one of the many exclusions may required to apply for a certificate from the state or federal marketplace and present the certification when preparing TY 2015 return.