Check out the fines for not having health insurance next year here:
http://obamacarefee.com/2016-calculator/
Enroll by 12/15/15 for a 1/1/16 effective date.
Enroll between 12/16/15 and 1/15/16 for a 2/1/16 effective date.
Enroll between 1/16/16 and 1/31/16 for a 3/1/16 effective date.
After that, you cannot enroll until the end of 2016 for a 2017 effective date unless you have a qualifying event mid-year. Don’t get caught with these fines!