I'm 19 but talking hypothetically. Three main questions: If I wasn't under my parents policy and their employer didn't cover it, do I absolutely have to get it? Just read an article that said you don't have to but you'll incur an extra $95 tax on your taxes. The next: if the employer covers healthcare, do I have anything to worry about? As in, having to buy into the affordable healthcare? Lastly, will my taxes go up? Thanks in advance.