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The Affordable Care Act (ACA)—often called Obamacare—did include a requirement that most Americans have health insurance or pay a penalty. Here’s a breakdown: • The individual mandate (2014–2018): Starting in 2014, the ACA required nearly all Americans to have minimum essential coverage (such as through an employer, Medicaid, Medicare, or the ACA marketplace). Those who didn’t have coverage had to pay a tax penalty when filing their federal income taxes. | Racuda Barracuda
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