林國彪保險Bieu Lam Insurance (CCYP) 提醒您：目前存在一个危险的误区，即由于联邦罚款已取消，医疗保险就变成了“可选项目”。在加州，这绝非事实。自 2020 年起，加州开始执行自己的“个人强制参保法案”。如果您在 2026 年未能维持最低基本保险 (MEC)，在 2027 年报税时，您可能面临比保险费还要昂贵的税务罚金。

加州特许经营税务局 (FTB) 使用两种方法计算罚金，并收取金额较高者：

每名无保险成年人 $950。

每名 18 岁以下无保险子女 $475。

一个四口之家的最低固定罚金可能高达 $2,850。

家庭总收入超过加州报税门槛部分的 2.5%。

如果您符合特定的豁免条件，可以免于缴纳罚金。2026 年常见的豁免包括：

负担能力困难： 如果您能获得的最低保费超过家庭预计收入的 8.05%。

短期无保险： 如果您全年的无保险时间不超过连续 3 个月。

收入低于门槛： 如果您的总收入低于州政府规定的最低报税门槛。

宗教信仰： 针对反对保险的特定宗教成员。

在 2027 年初申报州税时，您需要填写 FTB 3853 表格。您需要标明您及受抚养人在哪些月份拥有合规保险。如果您是通过加州健保 (Covered California) 投保的，您会收到 FTB 3895 表格，这是您的官方保险证明及补贴核算凭证。

2026 年，由于“加州保费补贴计划”为收入低于 165% FPL 的人群提供了额外补助，许多居民可以找到每月 $0 至 $10 的计划。

案例对比： 每年支付 $120 的补贴保费，对比支付 $950 以上 的罚金。

选择合適的保险，不仅能帮您节省数百美元的税款，还能为您提供预防性护理、体检和急诊保障，而这些是罚金无法提供的。林國彪保險Bieu Lam Insurance 能夠針對您的狀況，建議您合適的健康保險，保障您的醫療預備，以及避免加州政府的罰款。

有需要任何建議諮詢，請聯繫林國彪保險Bieu Lam Insurance 。我們另外有福地墓園，殯儀服務一站式協助。

At Bieu Lam Insurance, we often clear up a dangerous misconception: many believe that because the federal penalty is gone, health insurance is "optional." In California, this is not true. Since 2020, the state has enforced its own Individual Mandate. As you file your 2026 taxes, failing to have Minimum Essential Coverage (MEC) could result in a penalty that costs significantly more than a subsidized insurance plan.

The penalty is calculated by the Franchise Tax Board (FTB) using two different methods. You will be charged whichever amount is higher:

The Flat Fee Method: * $950 per uninsured adult.

$475 per uninsured dependent child (under 18).

A family of four could face a minimum flat penalty of $2,850.

The Percentage Method: * 2.5% of your total household gross income that exceeds the California tax filing threshold.

You may be able to avoid the penalty if you qualify for a valid exemption. Common 2026 exemptions include:

Affordability Hardship: If the lowest-cost coverage available to you costs more than 8.05% of your projected household income.

Short Coverage Gap: If you were uninsured for three consecutive months or fewer during the year.

Income Below Threshold: If your gross income is below the state tax filing threshold.

Religious Conscience: For members of recognized religious sects that oppose insurance.

When you file your state tax return in early 2027, you will use Form FTB 3853 (Health Coverage Exemptions and Individual Shared Responsibility Penalty). You will need to indicate which months you and your dependents had qualifying coverage. If you were enrolled through Covered California, you should receive Form FTB 3895, which serves as your official proof of insurance and subsidy reconciliation.

In 2026, with the California Premium Subsidy Program providing extra help to those under 165% FPL, many residents can find plans for $0 to $10 per month.

Scenario: Paying $120/year for a subsidized plan vs. paying a $950+ penalty.

By choosing a plan, you not only save hundreds in taxes but also gain access to preventative care, screenings, and emergency protection that the penalty does not provide.