It is now mandatory in the United States that you and your family are covered and enrolled for health insurance. If you are not enrolled under a Health plan you will pay a penalty each year when filing your taxes. The penalty will be increasing each year. Unfortunately, your employer’s plan and the state exchanges are expensive and the deductibles are very high with low levels of coverage. Union members get to negotiate over any changes and obtain far better coverage, with lower deductibles at far less cost than their non-union counterpart.