If you live in Baton Rouge, LA, and are interested in learning more about health insurance in your area, you should consider the expertise of an agency such as Insurance & Financial Services Inc.

If you are wondering who is required to have health insurance in Louisiana, technically the answer is no one. The Affordable Care Act does dictate that everyone should have insurance. However, there is no federal tax penalty at this point for people who go without health insurance. This means that on your federal tax return, you are still going to have to report whatever status you have in terms of coverage, but you are not going to have to pay any penalty if you don’t have coverage.

There are multiple states that have passed their own requirements in terms of health insurance that their citizens have to follow. However, Louisiana is not one of these states.

However, this certainly does not mean that you should skip getting health insurance coverage. Health insurance coverage can be very important in many cases. Even if you are young and healthy, you never know when a health issue could spring up. In fact, if you end up with a serious injury or illness that you did not anticipate, you could end up spending a great deal of money paying off hospital bills because you are not insured. In order to avoid this situation, the best option is to have health insurance before anything like that happens.

If you reside in the city of Baton Rouge, LA, you should feel free to contact the professionals at Insurance & Financial Services Inc. with any questions that you may have about health insurance in your area. They will be able to share their knowledge with you and point you in the right direction in terms of how important health insurance is for you and perhaps what policy you should choose for yourself.