If you\u2019re uninsured, there\u2019s still time to sign up for health insurance on the Health Insurance Marketplace and avoid the penalty. Under the Affordable Care Act, 2015 is the first year Americans must prove they had qualifying health insurance (or an approved exemption) for the previous year (when filing 2014 taxes), or face a tax penalty.\r\n\r\nFor 2015, if you don\u2019t obtain insurance by Feb. 15, the last day to of the Open Enrollment period, the penalty will be applied to your annual taxable income for each full month you don\u2019t have health insurance in 2015. The penalty fee is $325 per adult, $162.50 per child - up to $975\/family or 2 percent of family income, whichever is higher. And, without insurance, you will be financially responsible for all of your medical costs.\r\n\r\nThe good news is based on household income and dependents, some individuals may qualify for financial assistance from the government - or subsidies - towards the cost of the premium and other financial obligations like co-pays or deductibles.\r\n\r\n\u201cThis is where Greenbrier Valley Medical Center can help the uninsured in our community,\u201d said Paige Adkins, chief financial officer. \u201cWith many people lacking access to a computer or just need help maneuvering through the enrollment website, our application counselors can help. We can assist individuals and their families evaluate the available health plans and determine if they\u2019re eligible for Medicaid or other insurance options.\u201d\r\n\r\nIn all states, Medicaid provides health coverage for some low-income people, families and children, pregnant women, the elderly, and people with disabilities. In some states, the program covers all low-income adults below a certain income level.\r\n\r\nWest Virginia has chosen to expand Medicaid coverage. This expansion increases the eligibility limits for adults to 138 percent of the Federal Poverty Level (equivalent to an annual income of $16,105\/year for one person; $32,913 for a family of four in 2015). However, citizens must enroll in the program; it\u2019s not automatic.\r\n\r\n\u201cLet us help take the frustration out of the enrollment process. Call us at 304-647-6506 before Feb. 15 to help you get a healthy start to the New Year,\u201d said Adkins.