Open enrollment for the year 2016 is almost over on the Health Insurance Marketplace.  You have until January 31, 2016 to enroll in a qualified health plan to avoid the tax penalty.  This years penalty is either $695 per adult ($347.50 per child) or 2.5% of the household income whichever is greater.  Don’t wait to enroll in coverage, protect your family and enroll in coverage before time runs out.