<prompt> Human: I am 19 years old. My refund this year was 750 instead of around 1400 due to me not having health insurance. Should I try and find the cheapest possible insurance just so I dont get penalized during taxes? I take no medication and I rarely ever even go to the doctor. Also is there a way to get out of being penalized for not having insurance? Like 6 months of last year I couldnt even work because I was helping take care of my grandma.  <response>: You can be covered under your parents plans until you turn 26. You can also go to the healthcare marketplace and purchase coverage, with a low income you should get a subsidy. Talk to your parents, but open enrollment is most likely closed for 2018, so unless you get a job with healthcare coverage you are going to be in the same situation. Generally October is when open enrollment starts for the following year. 